Free tier available/Cards + IBANs + Credit + Crypto/MCP integration included/Multi-currency: GBP, EUR, USD/25+ MCP tools/API access on Pro/KYA agent registry/90-day interest-free credit/
Free tier available/Cards + IBANs + Credit + Crypto/MCP integration included/Multi-currency: GBP, EUR, USD/25+ MCP tools/API access on Pro/KYA agent registry/90-day interest-free credit/
Now in beta

Your AI agent
can pay for anything.

Cards, IBANs, credit lines, and crypto rails for autonomous AI agents. Issue a card in seconds, hand the details to any agent, spend anywhere Mastercard is accepted.

terminal
$ aipay cards create --amount 200 --currency eur
 
  Virtual card issued!
 
  Card  •••• 8391
  Expires  09/27
  Balance  EUR 200.00
  Agent  procurement-bot
  ID  card_eur_3kf9a...

Get started

Up and running
in three commands

Install the CLI, authenticate, connect to your AI agent. Everything after that is handled by your agent.

terminal
$ npm install -g aipaysh
$ aipay auth
  Enter your email click the magic link authenticated
$ aipay setup-mcp
  ✓ MCP config written
  ✓ 25 tools registered
  ✓ Ready to connect to Claude

CLI & MCP

Seven resource groups.
One unified interface.

Every CLI command is also an MCP tool and a REST API endpoint. The CLI is your interface. The MCP server is the agent's interface. Same backend.

aipay agents register
Register an AI agent with KYA identity. Returns scoped credentials. Required before any financial activity.
--name--framework--purpose
aipay cards create
Issue a virtual Mastercard. Single-use or persistent. Multi-currency. Funded from balance, credit, or stablecoins.
--amount--currency--agent--single-use
aipay ibans create
Provision a virtual IBAN for an agent. Receive SEPA, Faster Payments, or wire transfers directly.
--currency--agent--label
aipay credit allocate
Distribute your business credit line to an agent. The agent creates credit-backed cards up to the allocated amount.
--agent--amount--currency
aipay crypto fund
Convert USDC or USDT to fiat and deposit into a card or IBAN. Real-time exchange rate shown before confirmation.
--to--amount--token
aipay policies create
Define a programmable spending policy: per-txn limits, daily caps, merchant restrictions, approval thresholds.
--max-txn--daily-limit--allowed-mcc
aipay invoices pay
Trigger payment for a verified invoice. Supports multi-currency and extended 90-day interest-free terms.
--source--agent
aipay audit log --follow
Stream the live audit log. Every transaction, card creation, policy change, and anomaly alert in real time.
--agent--since--type

MCP Integration

Connect to Claude.
One command.

Give Claude direct access to cards, IBANs, credit, and payments. 25+ tools registered. Destructive actions require your approval. Read-only actions execute instantly.

what Claude sees
  create_cardIssue a virtual card
  create_ibanProvision a virtual IBAN
  get_card_detailsPAN, CVV, expiry on demand
  check_balanceCard or IBAN balance
  freeze_cardInstant freeze / unfreeze
  transfer_fundsMove funds between IBANs
  credit_statusView credit line details
  allocate_creditAssign credit to an agent
  fund_from_cryptoStablecoin to fiat
  pay_invoiceTrigger supplier payment
  list_transactionsView transaction history
  ... +14 more tools

HOW IT WORKS

Four steps.
Zero friction.

STEP 01

Pre-approve the amount

Add your debit or credit card and choose how much your agent can spend. We place a hold for that amount — nothing is charged yet.

STEP 02

Agent creates a card

When the agent needs to pay, it creates a virtual debit card for the exact amount — no more, no less.

STEP 03

Agent pays

The agent uses the card for a single transaction. Once used, the card is automatically cancelled.

STEP 04

Unused amount is released

Only the actual transaction amount is captured. Anything the agent doesn’t spend is released — it never hits your card.


Why aiPay.sh

Not just cards.
A full financial stack.

01

Instant issuance

Virtual cards ready in seconds. No waiting, no manual approval queues, no delays. Fund and issue in one command.

02

Multi-currency native

Issue cards and IBANs in GBP, EUR, and USD. Spend in any currency globally. FX conversion built in.

03

Credit lines, not just pre-funding

Business credit with 90-day interest-free terms. Agents spend on credit. No need to pre-fund every card from your bank account.

04

Virtual IBANs per agent

Each agent gets its own bank account. Receive payments, settlements, and refunds. Transfer between agents instantly.

05

Programmable policies

MCC restrictions, amount thresholds, time windows, auto-approval rules. Policies stack. Most restrictive wins.

06

Crypto on/off ramp

Fund agent cards from USDC or USDT. Settle agent-to-agent payments on-chain. Emerging market rails included.

07

Human in the loop

You authorize every card creation and every payment. Agents propose, you approve. Below-threshold actions auto-execute.

08

Built for every agent

MCP integration for Claude, Cursor, and any MCP runtime. REST API and SDKs for LangChain, CrewAI, AutoGen, and custom agents.


Security

Your data, your rules.

Card data at rest
AES-256-GCM

PAN and CVV encrypted with a random IV per field. Decrypted only on your explicit request.

Authentication
Magic links + API keys

32-byte cryptographically random tokens. One-use, 15-minute expiry. No passwords stored.

Session tokens
JWT HS256

Signed with a 256-bit secret. Stored locally at mode 0600. 30-day expiry.

MCP access
Per-request JWT

Every MCP request is authenticated with your JWT. No shared credentials between users or agents.

Agent isolation
Scoped credentials

Each agent gets its own API key. One compromised agent cannot access another agent's cards or funds.

Audit trail
Full compliance log

Every action logged with timestamp, actor, and context. Exportable as CSV or JSON for compliance.


Pricing

Start free. Scale when ready.

Free
$0/mo
forever
  • 5 virtual cards / month
  • 1 virtual IBAN
  • 1 registered agent
  • MCP integration included
  • Human-in-the-loop approvals
  • AES-256-GCM encryption
  • API access
  • Credit lines
  • Crypto bridge
Pro
$49/mo
per organization
  • Unlimited virtual cards
  • Unlimited virtual IBANs
  • Unlimited agents
  • MCP integration included
  • Full REST API access
  • Programmable policy engine
  • Credit lines (subject to approval)
  • Crypto on/off ramp
  • Accounting integrations
  • Priority support

FAQ

Common questions.

You fund your account via card, bank transfer, credit line, or stablecoins. When an agent creates a virtual card, funds are allocated from your balance or credit line. You're only charged for the actual transaction amount. Unused funds are released automatically.


Your agents are ready to transact.
Give them the infrastructure.

Free to start. No credit card required. Three commands and your AI agent has its own financial stack.