Agent Card builds payment infrastructure for AI-agent purchases

Agent Card says its platform lets AI agents use customers’ existing cards, including Chase cards, rather than issuing a separate card. The company argues that consumers prefer their real cards because they retain rewards and dispute protections. It sells the platform to companies building personal assistants, including Instinct and Orchid, for a monthly fee.

Its products include Vault, which stores customers’ cards, and Purchase API, a single interface intended to let agents buy from online merchants. The company describes agentic purchasing as a three-part problem: giving agents a usable card, helping them navigate websites, and completing checkout—the hardest part.

Merchants reportedly want agents to be able to buy but remain uncertain how to do so without creating business risk. Agent Card says it must work with merchants, payment service providers and other parties while existing bot-prevention systems, including Cloudflare’s, are designed to stop automated checkout activity.