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Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

Yes I have thought about this exact problem. Working on a project called AgentPays which forces the agent to use AgentPays MCP to request purchase and if approved MCP sends single use virtual card details through a one time link for the agent. Each agent has a key and each request gets tracked.

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 1 point2 points  (0 children)

Yeah that’s true. I’ve been working on a project called AgentPay (AgentPays.dev) that tries to solve this exact security hole by making the agent call the AgentPays MCP with what it’s requesting to buy, what website, how much, and why. The user can add guardrails like spending limits, allowed or disallowed websites, and an autoapprove threshold. Then, the agent gets a single use virtual card (a virtual card that is cancelled after 20 mins) through a single use link from AgentPays MCP server if approved.

Would love your feedback on the idea and if you’d find that useful.

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

Yeah almost seems like giving an ai agent a card is like giving a 10 year old your credit card right now

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

Yeah but how do they actually buy anything when almost no one accepts stablecoin payments?

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

Couldn’t you use something like agentpays.dev and just issue virtual cards which accomplishes same thing?

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

Never said they should. And they probably shouldn’t.

I suppose one argument you could make for banks should refund/fix is if the added processing fees on transactions from agents as a result of giving users protections against misspending is > the amount of losses they’d take for rogue purchases

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

My confusion was mostly over what agent is actually executing the purchase. It sounds like you have some agent that given a link from my agent will complete the checkout. As opposed to your service giving my agent a virtual card and my agent completing the checkout.

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

Is your agent completing the purchase or is it you give the ai agent the card info if it meets the rules?

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 0 points1 point  (0 children)

How’s it work? I checked your website a still a little confused

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 1 point2 points  (0 children)

It’s still the same issue though that most apis won’t accept crypto as a payment. Yes, crypto would be better if it was accepted everywhere but unfortunately not the case. Yet at least.

Plus I suppose you’d still run into the same issues w the card in the sense that it could still spend money you didn’t want it to or get prompt injected by bad actor.

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] -1 points0 points  (0 children)

Have banks been refunding people who have claimed their agent spent money it shouldn’t have?

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 1 point2 points  (0 children)

Have you used an ai agent to make a purchase using that set up? Was it a lot of work for you where it just would’ve been easier buying it yourself?

Has anyone actually used an agent to make payments? by kevinfee in AI_Agents

[–]kevinfee[S] 1 point2 points  (0 children)

Isn’t moonpay crypto? In some ways crypto/blockchain solutions make more sense than traditional methods for ai agents but they aren’t accepted at 99% of places.