Unlock autonomous AI workflows without losing control. Let your agents complete purchases, transfers, and checkouts while you define the rules, limits, and approvals.
Whether you're building an AI assistant or enabling commerce through MCP, PayMCP gives agents a secure way to transact. Connect real bank accounts, use instant SEPA payments, and enforce budgets with session-based controls. Every payment is authorised. Every transaction is visible.
Backed by regulated European banking infrastructure.
Shopping agent · connected
Give agents the ability to transact with while keeping trust built in.
No banking integrations. No payment infrastructure. Just three steps.
Create a secure wallet you want your AI to spend from and receive money on.
Auto-approve small purchases. Require your approval for larger ones. Block merchants you don't trust. You decide everything.
Your AI can now safely purchase products, APIs, and services within the rules you created. You stay informed. Never surprised.
Autonomous payments need more than speed. They need permissions, protection, and accountability built in.
Every payment is evaluated against your limits, approvals, and policies before your agent can act. No permission, no payment.
Your agent gets a dedicated euro wallet held with regulated Dutch banking infrastructure. Funds are protected with banking safeguards and deposit guarantee coverage.
Top up your wallet instantly and keep your agent ready to act when you need it — without waiting for traditional transfers.
Every request, approval, merchant, and payment is recorded. Always know what your AI did and why.
Purchase history · today
Adidas Ultraboost
adidas.com · 14:32
€79.00
human
Casio A158W
watchshop.com · 13:15
€29.99
auto
Nike Air Max 90
nike.com · 11:02
€89.95
auto
Atomic Habits
bol.com · 10:44
€14.99
autoEvery offer, approval decision, payment, and purchase is written to an immutable audit log. Know exactly what your agent bought, when, and how much you approved.
from merchant_sdk import PayMCPMerchant
merchant = PayMCPMerchant(api_key="sk_merchant_xxx")
@merchant.tool(
price=149.50,
description="Keychron Q3 keyboard",
)
async def buy_keychron_q3() -> dict:
# pre-registers → offer_8f2a3d9c1e4b
# blocks until payment confirmed
return {"status": "order_placed"}{
"paymcp_version": "1.0",
"type": "offer",
"receiver": {
"id": "merchant_abc123",
"display_name": "My Shop"
},
"amount": { "value": 149.50, "currency": "EUR" },
"order": {
"reference": "offer_8f2a3d9c1e4b",
"description": "Keychron Q3 keyboard"
},
"expires_at": "2026-06-26T15:32:00+00:00",
"accept_url": "https://.../offers/offer_8f2a3d9c1e4b/accept"
}Wrap any product endpoint with a price. PayMCP handles offer pre-registration, payment gating, webhook confirmation, and itemised receipts. No new checkout flow, no credits system — just a decorator.
Approval request · awaiting you
| Amount | Policy |
|---|---|
| < €10 | Auto-approve |
| €10 – €50 | Requires approval |
| > €200 | Hard block |
| Monthly | Capped at €2,000 |
Your agent can browse, compare, and buy — but you decide exactly how much it can spend and with which merchants. Small purchases auto-approve. Anything bigger pauses and asks you.
The next era of commerce
PayMCP gives AI agents a secure way to pay.
Payments demand trust. So no dubious tokens or crypto coins, strong authentication and security and no money leaves your account without your permission. Ever.
IBAN-to-IBAN. Not credits, not tokens, not IOUs. Euros lands in the merchant's account.
Whether you're a big or small merchant, receiving payments takes just a few lines of code
Auto-approve threshold, human-approval range, hard ceiling, merchant allowlist, hourly cap. We enforce what you configure.
Every offer, approval, payment, and order is logged. You can always answer "what did my agent buy?"
Payment confirmation arrives via signed webhook. Tool execution gates on the event — no sleep loops, no race conditions.
Claude, GPT, Gemini, any custom MCP client. If it speaks MCP and OAuth 2.0, it speaks PayMCP.
| Solution | MCP-native | Spending controls | Audit trail |
|---|---|---|---|
| PayMCP | ✅ Built-in | ✅ Per-session policy | ✅ Immutable |
| Stripe direct | ❌ Custom code | ❌ Manual per tool | ❌ Dashboard only |
| OpenAI billing | ❌ OpenAI only | ❌ Account-level | ❌ Partial |
| Credits / API keys | ❌ Custom per vendor | ❌ Build it yourself | ❌ Build it yourself |
| No payment layer | ❌ N/A | ❌ N/A | ❌ N/A |
We're rolling out open beta shortly. Tell us a little about yourself and we'll reach out when your spot is ready.
No spam. We'll only email you about your beta spot.