Agentic payments: 30 companies that let AI agents pay

Agentic payments companies give an AI agent a wallet, a card or a pay-per-call route to spend from. Behind each agent sits a balance that a company or a person has to fund first.

On 28 July 2026, Corpay, a corporate payments company, announced Agent Card, which lets AI agents generate controlled virtual cards for approved business purchases. Agentic payments companies sell that kind of access: software that pays a merchant or an API within limits a person sets.

The 30 companies here sell four types of product: a wallet the agent holds money in, a card the agent pays merchants with, pay-per-call access to APIs, and checkout that places the order at a store. One purchase can use two of them. Rye, for example, places the order and AgentCash supplies the wallet that pays for it.

Several are still on a waitlist or in early access. Each entry carries the status its own site showed on 7 November 2026.

How we chose

We checked all 32 products in the nofrontend.xyz agentic commerce directory on their own websites on 7 November 2026. We left out Xentfi (the domain didn't resolve), Henry Labs (no product built for agents) and AgentCash.tech (a preview page with placeholder metrics). We added Catena, which the directory doesn't list.

What are the main agentic payments companies in 2026?

Agent wallets: money the agent holds

An agent wallet holds money the agent is allowed to spend, and the owner sets the limits. Most hold USDC on Base. Natural holds dollars in a bank account instead. Think of a prepaid expense account for a contractor. You top it up and cap the daily spend, and every charge shows up as it happens. Custody varies. Circle, Finance District and Para describe keys the user holds, while Coinbase keeps keys in its own secure infrastructure.

• AgentCash (best for one balance across many paid APIs): creates a USDC wallet automatically and pays services over x402 and MPP, and its site reports more than 1.5 million paid tool calls (7 Nov 2026).
• AgentWallet (best for budgets split across many agents): allocates funds through an account and principal hierarchy, with payouts over ACH, SEPA, Pix and USDC. Access is invite-only, and its x402 path doesn't apply the ledger spending cap.
• Ampersend (best for spend rules on x402): a control layer from Edge & Node with budgets, merchant allowlists and approval thresholds, paying x402 in USDC on Base. It's in beta.
• Catena (best for companies that want rules on every agent payment): a governance and banking platform for AI agents. Each agent gets its own identity and accounts, the company sets fixed spending policies, and every action leaves an audit trail. Agents pay by card, ACH, wire or stablecoin, and Catena lists yield on idle cash among its services.
• Circle Agent Wallets (best for user-controlled USDC wallets): 2-of-2 MPC key management, where the user keeps custody and Circle can't move funds alone, plus USDC spending limits for transfers and x402 payments.
• Cloudflare Wallets (planned): wallets that will send, receive and hold stablecoins, with virtual wallets for agents capped by the owner's limit. Today you can only reserve a handle.
• Coinbase Agentic Wallets (best for agents that trade on Base): spend caps per session and per transaction, keys held in secure enclaves, and an Earn skill among its listed agent skills. Coinbase says x402 has processed over 50 million transactions (7 Nov 2026).
• CrowdCode (best for agents that also sell): the user tops up a USDC wallet on Base through Coinbase, and the agent can buy x402 services or sell its own API per call.
• Finance District (best for multichain balances): a non-custodial wallet with keys in secure hardware across EVM chains, Solana and Bitcoin, with a command that lists curated yield strategies.
• Natural (best for dollars in a bank account): USD accounts, with FDIC insurance passed through Column N.A., that agents can hold, receive and send funds from, with no stablecoin on the page we read.
• Para (best for apps embedding wallets for many users): non-custodial MPC wallets with a policy engine across EVM, Solana, Stellar, Sui and other chains. Agent payments and x402 show up as customer use cases.

For wallets built for people, the wallet as a service providers comparison covers the non-agent side of the same market.

Agent cards: pay any merchant that takes cards

Card rails reach any merchant that takes Visa or Mastercard, and 13 of the 30 companies here are built around one. Some cards draw on a card the user has saved, some on a corporate card account, and some are prepaid from a stablecoin balance. Visa's Intelligent Commerce program issues tokenized credentials that agents use on a consumer's behalf, and Ramp and Crossmint both build on it.

The biggest name on the list is Stripe. Its Link wallet lets a person give an agent their saved cards and accounts. The person approves each purchase or sets a budget and a per-purchase limit, and the Link app creates a new virtual card number for every purchase and logs it.

Agents reach it through the Link CLI, which works with Claude Cowork, OpenClaw and other custom agents. Link for agents is live in the US behind a waitlist, and Stripe says global access comes later. Watch this one.

• Agentcard (best for prefunded cards settled in USDC): stores the user's own card in a vault, and also issues single-use and multi-use Visa cards through Rain that behave like debit against a funded balance, settled in USDC on Base.
• AgentCard by Alchemy (best for spending on the user's own card): one-time card numbers capped at the purchase amount, funded by a hold on the user's saved card, or payment through Mastercard Agent Pay. Its Base USDC wallet is separate and only pays x402.
• Corpay Agent Card (best for corporate payables): virtual cards, with supplier payments, ads, travel and procurement named as future uses. Corpay announced it on 28 July 2026.
• Crossmint (best for cards plus stablecoin wallets in one API): fiat and stablecoin wallets, virtual cards through Visa, and x402 in production.
• FluxA (best for a budgeted agent wallet plus single-use cards): a co-wallet with a budget, and a separate single-use card product. Its site says 140,581 agents have created FluxA wallets (7 Nov 2026).
• Highnote (best for programs that want to issue their own cards): issues cards per agent, workflow or vendor through an API, under a bank sponsorship model.
• Laso Finance (best for prepaid cards bought by the agent): single-load cards from $20 to $1,000 funded with USDC, ordered through an x402 API in USDC on Base or Solana.
• Locus (best for one balance across paid tools): an onchain USDC wallet on Base, prepaid credits for tools, and card purchases on the user's own Visa or a USDC-funded prepaid Visa from Laso.
• MoonAgents (best for spending a stablecoin balance anywhere Mastercard works): a virtual Mastercard debit card from MoonPay, Baanx and Monavate that spends from the onchain stablecoin balance.
• Nevermined (best for paying other agents' services): the user's card sits in a VGS vault, and the agent spends inside a mandate with an amount, count and expiry. Merchants selling through it pay 1% on stablecoin rails and 2% on card rails.
• Ramp Agent Cards (best for finance teams already on Ramp): card checkout credentials scoped to one agent, with merchant rules, that spend from the connected user's funds and limits. Ramp's docs also describe a separately funded x402 wallet, which the directory missed.
• Sapiom (best for agents paying from a vaulted card): a vault for Visa, Mastercard and Amex cards with limits, and dedicated issued cards in early access.
• Stripe Link (best for consumer agents in the US): a wallet of the person's own cards, with a new virtual card number for every purchase. See above.

Agentcard's issued cards, Laso and MoonAgents say plainly that the card spends from a funded balance. AgentCard by Alchemy, Nevermined, Sapiom's card vault and Ramp charge a card or a corporate account the user already has. The stablecoin card issuing platforms guide covers the issuers and sponsor banks that sit behind card programs like these, including the ones that settle in USDC.

Pay per call: paying APIs with x402

x402 reuses the web's old "402 Payment Required" status code. A server answers a request with a price, and the agent signs a USDC payment, after which the server returns the data. It works like a toll gate that lifts once the coin drops, with no account or API key in between. The seller never sees a card. x402.org calls it an open, neutral standard for internet-native payments, and Cloudflare and Coinbase announced an x402 Foundation on 23 September 2025.

• Hashference (best for inference without a balance): an agent pays for a single request with a few seconds of its own machine's work over x402, or tops up credits in USDT, USDC or other crypto.
• Liquid Agent (best for moving USDC across chains): bridges USDC from Base to 16 chains for a 1% fee with one x402 signature, and sells data and security checks per call. It reports 663,360 requests since 30 August 2026 (7 Nov 2026).
• Pay.sh (best for Solana developers): a catalog of 76 APIs with per-call quotes and an approve or decline step, run through a Solana CLI.

Several of the agent wallets pay x402 as well, and AgentCash, Circle, Coinbase and Finance District all list it, as does Crossmint among the card companies.

Agent checkout: placing the order at a store

Checkout companies work on the store's side. They let an agent search a store's products, then place the order, including shipping and tax. The payment itself still runs on a card or a wallet. Google's Agent Payments Protocol (AP2), announced on 16 September 2025, covers cards, stablecoins and bank transfers for this step. OpenAI's Agentic Commerce Protocol connects merchants' catalogs to ChatGPT.

• Bitrefill (best for digital goods): gift cards, eSIMs and top-ups through a Claude connector, ChatGPT, MCP or Telegram, paid in crypto, USDC over x402, a card or a prefunded account balance.
• Rye (best for physical products in USDC): the agent finds a product, pays in USDC on Base, Solana or Tempo, and Rye places the order across more than 15,000 merchants (7 Nov 2026). AgentCash handles the wallet.
• Shop Pay (best for buyers with a saved Shop Pay wallet): Shop Pay is Shopify's checkout, which stores a buyer's card and address. Agents buy from the buyer's Shop Pay wallet, and each approved payment gets single-use credentials that run like a normal card payment.

Where does the money sit between agent payments?

Every agent payment draws on a balance or a credit line that someone set up first, and the 30 companies fund it in five ways.

The bigger balance usually sits with the company. On Agentcard, a company keeps one USDC wallet for all its users. When a user needs a card, Agentcard moves the amount from the company wallet to that user and issues the card, in about 30 seconds. Until then, the money waits in the company wallet.

Card programs hold a second balance. A program has to prefund its card issuer with its own cash so that card spend can settle before the program collects the money. A platform whose agents buy over the weekend also tops up on Friday. Both balances can wait a day or more, while the agent's own balance moves with each purchase.

How can an agentic payments platform earn on that balance?

Upshift is onchain yield infrastructure that lets fintechs and asset managers offer yield inside their own products. Partners start with 24/7 tokenized money market funds and add higher-yield strategies, from lending to basis trades, on the same integration. A professional curator runs each stablecoin, BTC or ETH vault within risk limits set in advance, and depositors keep custody of their vault shares throughout.

For an agentic payments platform, the vault holds the pool behind the agents. Agent wallets stay as they are. Upshift vaults accrue yield at each valuation, usually once a day. A balance has to stay a day or more to earn much. Money an agent spends within the hour can stay in its wallet. The balances that fit:

• Company wallets and program prefunds that hold USDC for a week of card spend or x402 calls, in a Cash band vault built on tokenized money market funds (see the yield options for each band).
• Weekend top-ups funded on Friday for agents that keep buying on Saturday and Sunday.
• Card program prefunding, where a credit line from the institutional lender network behind the Upshift prime stack covers the issuer's prefund. The program then parks less cash up front.

Upshift vaults already run on a mandate. A policy engine enforces onchain which chains, protocols and functions each vault's strategy account can use. That is the same idea as an agent spending inside a budget, and platforms building agent accounts can talk to us about it.

Most Upshift vaults pay standard withdrawals in about 72 hours. Instant exits run any day up to the vault's USDC buffer, for a fee set per vault from zero to about 0.2%. Upshift vaults have been through 11 smart contract audits by 6 independent firms. The idle stablecoin balances guide prices each option for a payment buffer, and borrowing against settlement balances covers the credit side. Always make sure to do your own research and be aware of the risks before depositing.

Frequently asked questions

How do AI agents pay?

Agents pay in two main ways. On card rails they use a virtual or tokenized card, such as Ramp's agent checkout credentials or the card number Stripe Link creates for every purchase. On stablecoin rails they sign a USDC payment over x402, usually on Base or Solana, with no account at the seller.

What's the difference between agentic payments and agentic commerce?

Agentic commerce covers the whole purchase, from finding a product to placing the order. OpenAI's ACP and Google's AP2 define that flow. Agentic payments is the money step inside it: the wallet, the card and the settlement.

What role do stablecoins play in agentic payments?

Rye, Laso, Liquid Agent and the x402 wallets settle in USDC, and USDC funds cards too. Agentcard settles its issued Visa cards in USDC on Base through Rain. Laso loads prepaid cards from stablecoin deposits on eight chains, from Ethereum to Stellar.

Are agentic payments secure?

The controls sit in the wallet or the card. Circle splits each key between the user and Circle with 2-of-2 MPC, and Coinbase caps spend per session and per transaction. Ramp scopes each credential to one agent with merchant rules. Shop Pay and Stripe Link can ask the buyer to approve every purchase.

Can an agent wallet earn yield?

Coinbase lists an Earn skill for its agentic wallets, and Finance District has a command that lists curated yield strategies. A balance an agent spends within a few hours earns very little in a vault that values its shares once a day, though, and the agent balances we looked at draw money per purchase or per call. The pool at the platform level, such as a company wallet or a card prefund, is where a stablecoin vault fits.

Keep reading

• How card programs earn yield on customer float: the money between top-up and settlement.
• How stablecoin payments work: the on-ramp, the transfer and the off-ramp.
• What is PayFi: payments that earn while they settle.
• What is an onchain vault: how a vault holds and prices a treasury balance.