AI agents can think. They can't pay.
Your agent can research flights, compare hosting providers, find the cheapest domain registrar, and draft the purchase order. But when it hits the checkout page, it stops. It needs a card number. And giving it your personal card is like giving your intern your black Amex with no spending limit.
The agent payment problem isn't capability — it's infrastructure. Agents need scoped, revocable, trackable payment credentials with hard spending limits. Not your corporate card number copy-pasted into a prompt.
Four steps. Agent is spending in minutes.
Create your account
Sign up on Plu. Verify your identity. This takes under 3 minutes.
Fund your balance
Add funds via bank transfer, USDT (Tron or Ethereum), or USDC. Your balance is your agent's spending pool. Zero FX fees on funding.
Issue a card for your agent
Create a virtual Visa card with a defined spending limit. Single-use (auto-cancels after one payment) or multi-use (recurring with a monthly cap). Each card gets its own number, expiry, and CVV.
Connect via MCP and let the agent spend (beta)
Add Plu's MCP server to Claude Code, Cursor, or any MCP-compatible agent. The agent requests a card, you approve, and it pays. Every transaction is logged with agent ID, merchant, amount, and timestamp.
# Claude Code
claude mcp add --transport http plu-cards https://mcp.getplu.com/agent
# Cursor / Windsurf / Cline
{
"mcpServers": {
"plu-cards": {
"url": "https://mcp.getplu.com/agent"
}
}
}MCP server endpoint shown is the planned URL — connection details may change before GA.
Get started free →Every agent card platform compared. Here's where Plu wins.
| Feature | Plu Agent Card | AgentCard.sh | Privacy.com | Stripe Issuing | Ramp |
|---|---|---|---|---|---|
| Card network | Visa | Visa | Mastercard | Visa/MC | Visa |
| Fund with USDT | ✓ | ✗ | ✗ | ✗ | ✗ |
| Fund with USDC | ✓ | ✗ | ✗ | Via stablecoin rails | ✗ |
| Fund with local currency | ✓ (NGN, GHS, KES, XOF, USD+) | USD only | USD only | Multi-currency | USD only |
| MCP integration (beta) | ✓ | ✓ | ✓ | ✗ (API only) | ✗ |
| Single-use cards | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multi-use / recurring | ✓ | ✗ | ✓ | ✓ | ✓ |
| Human-in-the-loop approval | ✓ | ✓ | ✗ | Configurable | Configurable |
| Countries | 143 | US-focused | US only | 40+ | US only |
| Physical card available | ✓ | ✗ | ✗ | ✗ | ✓ |
| Zero FX fees | ✓ | N/A (USD only) | N/A (USD only) | Varies | N/A |
| Card creation fee | Free | Free | Free | $0.10/card | Free |
| Target user | Developers + consumers globally | Developers (US) | US consumers | Enterprise | Enterprise |
The USDT advantage is structural. Other agent card platforms require USD bank funding. If you're a developer in Lagos, Nairobi, Accra, or Abidjan, you don't have a US bank account. You have USDT. Plu lets you fund with stablecoins and spend through Visa — anywhere in the world.
The 143-country advantage is global. AgentCard and Privacy.com are US-only. Stripe Issuing covers ~40 countries. Plu works in 143. Whether your agent needs to pay a merchant in São Paulo, a hosting provider in Frankfurt, or a domain registrar in Singapore, Plu works.
What agents actually buy
| Use case | What the agent does | Why it needs a card |
|---|---|---|
| API credits | Buys OpenAI, Anthropic, or xAI credits when balance runs low. | Metered billing requires a card on file. |
| Cloud infrastructure | Spins up AWS, GCP, DigitalOcean, or Vercel instances. | Auto-scales compute without human intervention. |
| Domain registration | Registers domains on Namecheap, Cloudflare, or GoDaddy. | Time-sensitive purchases (domain about to expire or get taken). |
| SaaS subscriptions | Renews GitHub Pro, Figma, Notion, Slack, or Zoom. | Prevents service interruption. |
| Ad spend | Funds Facebook, Google, or TikTok ad campaigns. | Budget top-ups at optimal times, not when a human remembers. |
| Data purchases | Buys datasets, API access, or premium research. | Research agents that procure their own data. |
| E-commerce | Orders supplies, gifts, groceries on behalf of the user. | Personal assistant agents completing purchase flows. |
| Freelance platform fees | Pays Upwork connects, Fiverr fees, or Stripe Atlas. | Cost of doing business for freelancer agents. |
You set the rules. The agent follows them.
Hard spending limits
Every card has a maximum. $5, $50, $500 — you decide. If the agent tries to exceed it, the transaction is declined at the network level. Not a soft limit. Not a warning. A hard stop.
Single-use cards
Create a card for one purchase. After the transaction clears, the card self-destructs. No leftover credentials floating around.
Human-in-the-loop
Every card creation and every payment triggers an approval notification. You review the merchant, amount, and purpose before the transaction goes through. Optional — you can disable for low-value recurring purchases.
Per-merchant locking
Lock a card to a specific merchant category (MCC). An agent card authorized for cloud hosting can't suddenly buy sneakers.
Real-time monitoring
Every transaction is logged with agent ID, card ID, merchant name, amount, timestamp, and approval status. Exportable via API or dashboard.
Encrypted credentials
Card numbers are encrypted at rest with AES-256-GCM. Decrypted only when the agent explicitly requests them via MCP. No raw card numbers stored.
Free to start. Pay when your agent spends.Beta tiers
Tiers shown are preview-only. Final pricing and limits will be confirmed at general availability.
| Free | Pro | Enterprise | |
|---|---|---|---|
| Card creation | Free | Free | Free |
| Monthly fee | $0 | $0 | Custom |
| USDT funding | ✓ | ✓ | ✓ |
| Fiat funding | ✓ | ✓ | ✓ |
| MCP integration (beta) | ✓ | ✓ | ✓ |
| Cards per month | 10 | Unlimited | Unlimited |
| Spending limit per card | $500 | $5,000 | Custom |
| Human approval | Required | Configurable | Configurable |
| Dashboard | Basic | Full | Full + API |
| Support | Community | Priority | Dedicated |
Works with every major AI agentMCP beta
| Agent / Platform | MCP Support | Status |
|---|---|---|
| Claude Code | Native MCP | Beta |
| Claude Desktop | Native MCP | Beta |
| Cursor | MCP via config | Beta |
| Windsurf | MCP via config | Beta |
| Cline | MCP via config | Beta |
| ChatGPT (with plugins) | Via HTTP bridge | Coming soon |
| OpenAI Codex | MCP via config | Beta |
| AutoGPT | Via API | Coming soon |
| Custom agents | REST API | Coming soon |
MCP tools (planned)
create_card — Issue a new virtual Visa with spending limit get_card_details — Retrieve PAN, CVV, expiry (encrypted, decrypted on request) check_balance — Get remaining balance on a card list_cards — List all active cards with status fund_card — Add funds to an existing multi-use card revoke_card — Instantly deactivate a card get_transactions — Transaction history for a specific card
Tool schemas above are the planned surface for the MCP server. Names and parameters may change before GA.
Frequently asked questions
What is an agent card?
An agent card is a virtual Visa card issued specifically for an AI agent to use for online purchases. The agent gets scoped spending power — you set the limit, approve transactions, and track everything in real time.
Can my AI agent really make purchases on its own?
Yes. Once connected via MCP, your agent can request a card, receive the credentials, and use them at checkout. Human-in-the-loop approval is enabled by default — the agent proposes the purchase, you approve it before the transaction completes.
How is this different from giving my agent my credit card?
Your credit card has no spending limit per transaction, no per-merchant restrictions, and no audit trail tied to a specific agent task. An agent card is scoped: fixed balance, optional merchant lock, single-use or capped multi-use, and every transaction is logged with the agent's identity.
Can I fund agent cards with USDT?
Yes. Plu is the only agent card platform that supports direct USDT and USDC funding. Send stablecoins from any wallet on Tron or Ethereum. Your balance is available in seconds.
What countries is this available in?
Plu agent cards work in 143 countries. The Visa card is accepted at any merchant worldwide that accepts Visa. Funding is available in NGN, GHS, KES, XOF, USD, and USDT/USDC.
Is there an API for programmatic card issuance?
Yes. The MCP server exposes tools for creating, funding, monitoring, and revoking cards. A REST API is also available for non-MCP integrations.
How much does it cost?
Card creation is free. No monthly fees. You pay only when the agent spends. See the pricing tiers on the Agent Card page for details.
Your agent deserves its own card.
Stop copy-pasting your credit card into AI prompts. Issue a scoped, funded, trackable virtual Visa — and let your agent do the rest.
Get started free →