ai-agent-card-payments – OpenClaw Skill

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name: ai-agent-card-payments description: Virtual card payments for AI agents. Provision cards on-demand, create payment intents, and let agents make autonomous purchases within policy limits. Supports spending controls, merchant restrictions, and human approval for high-value transactions via MCP.

AI Agent Card Payments

Enable your AI agent to make autonomous payments using virtual cards within policy-defined spending limits.

What This Enables

• Autonomous purchasing - Agents can buy things without human intervention (within limits)
• Virtual cards on-demand - Fresh card numbers for each purchase
• Policy enforcement - Spending limits, merchant restrictions, approval thresholds
• Human-in-the-loop - High-value purchases require approval

Quick Start

1. Check balance    → proxy.balance.get
2. Create intent    → proxy.intents.create
3. Get card         → proxy.cards.get_sensitive
4. Make payment     → Use card at checkout

Available MCP Tools

Payment Flow

Tool	Purpose
proxy.intents.create	Create payment intent → triggers card provisioning
proxy.intents.list	List all payment intents
proxy.intents.get	Get intent details + card info
proxy.cards.get	Get card details (masked)
proxy.cards.get_sensitive	Get full PAN, CVV, expiry for payment

Account Management

Tool	Purpose
proxy.balance.get	Check available spending power
proxy.funding.get	Get deposit instructions (ACH/wire/crypto)
proxy.user.get	Get user profile
proxy.kyc.status	Check KYC verification status
proxy.kyc.link	Get link to complete verification

Transactions

Tool	Purpose
proxy.transactions.list_for_card	List transactions for a card
proxy.transactions.get	Get transaction details

Payment Flow Diagram

┌─────────────┐     ┌─────────────┐     ┌─────────────┐
│   Check     │     │   Create    │     │   Policy    │
│   Balance   │ ──▶ │   Intent    │ ──▶ │   Check     │
└─────────────┘     └─────────────┘     └──────┬──────┘
                                               │
                         ┌─────────────────────┼─────────────────────┐
                         ▼                     │                     ▼
                  ┌─────────────┐              │              ┌─────────────┐
                  │    Auto     │              │              │   Needs     │
                  │   Approve   │              │              │  Approval   │
                  └──────┬──────┘              │              └──────┬──────┘
                         │                     │                     │
                         ▼                     │                     ▼
                  ┌─────────────┐              │              [Human Reviews]
                  │    Card     │              │                     │
                  │   Issued    │◀─────────────┴─────────────────────┘
                  └──────┬──────┘
                         │
                         ▼
                  ┌─────────────┐
                  │  Get Card   │
                  │  Details    │
                  └──────┬──────┘
                         │
                         ▼
                  ┌─────────────┐
                  │   Make      │
                  │  Payment    │
                  └─────────────┘

Intent Statuses

Status	Meaning	Action
pending	Card ready to use	Get card details, make payment
pending_approval	Awaiting human approval	Inform user, wait
approved	Approved, card being issued	Wait for card
card_issued	Card provisioned	Get card details
matched	Transaction completed	Done
mismatched	Transaction didn't match	Review
rejected	Approval denied	Inform user
expired	Intent expired	Create new intent

Example: Complete Purchase

User says: "Buy a $50 Amazon gift card"

Step 1: proxy.balance.get
→ { availableBalance: 500.00, currency: "USD" }

Step 2: proxy.intents.create
→ { merchant: "Amazon", amount: 50.00, description: "Gift card purchase" }
→ { id: "int_abc123", status: "pending", cardId: "card_xyz" }

Step 3: proxy.cards.get_sensitive
→ { cardId: "card_xyz" }
→ {
    pan: "4532015112830366",
    cvv: "847",
    expiryMonth: "03",
    expiryYear: "2027",
    billingAddress: { zip: "10001", ... }
  }

Step 4: Use card at Amazon checkout

Error Handling

Error Code	Cause	Resolution
POLICY_REQUIRED	No policy assigned to agent	Admin assigns policy in dashboard
ONBOARDING_INCOMPLETE	KYC not completed	Use proxy.kyc.link
INSUFFICIENT_BALANCE	Not enough funds	Use proxy.funding.get
FORBIDDEN	Permission denied	Check agent permissions

MCP Server Configuration

Add to your agent's MCP config:

{
  "mcpServers": {
    "proxy": {
      "command": "npx",
      "args": ["-y", "proxy-mcp-server"],
      "env": {
        "PROXY_AGENT_TOKEN": "your-token-here"
      }
    }
  }
}

Setup Requirements

1. Proxy Pay account at useproxy.ai
2. Complete KYC verification
3. Fund account (ACH, wire, or USDC)
4. Create agent with spending policy
5. Generate token for MCP auth

Best Practices

1. Always check balance first before creating intents
2. Use descriptive descriptions for reconciliation
3. Handle pending_approval gracefully - inform users
4. Never log full card numbers - security risk
5. Set appropriate policies - limit blast radius