Agentpay
Let a coding agent propose purchases while you keep cards encrypted locally and approve spend against budgets.
Overview
AgentPay is a MCP server for the Build phase that enables AI agent purchases with human approval, encrypted local credentials, and budget controls.
What is this MCP server?
- Human-in-the-loop approval before any charge executes
- Local-first storage with passphrase-encrypted credentials
- Budget controls to cap agent spending
- Stdio MCP server published as @useagentpay/mcp-server v0.1.8
- Uses Anthropic API key for browser navigation during checkout
- Package version 0.1.8 on npm as @useagentpay/mcp-server
- Stdio transport with 2 documented secret environment variables
What problem does it solve?
Builders fear letting agents pay online because plaintext cards and unchecked autopay create fraud and surprise bills.
Who is it for?
Solo builders shipping agent workflows that occasionally need real-world checkout with explicit approval gates.
Skip if: Teams that need PCI-hosted card vaults, high-volume merchant processing, or fully unattended billing without human review.
What do I get? / Deliverables
After install, your agent can stage purchases you approve under budgets while secrets stay encrypted locally.
- Stdio MCP tools for agent-initiated purchases pending your approval
- Local encrypted credential handling with configurable budgets
Recommended MCP Servers
Journey fit
Payment rails for autonomous agents belong on the Build shelf because you wire checkout and credentials into the product before you ship. Integrations is the right subphase for MCP servers that connect agents to external services like browser checkout.
How it compares
MCP payment guardrail, not a Stripe dashboard or hosted wallet product.
Common Questions / FAQ
Who is AgentPay for?
Indie and solo developers building AI agents that must pay for services occasionally while keeping humans in control of money movement.
When should I use AgentPay?
Use it during Build when you integrate agent tooling and need encrypted credentials plus budget limits before shipping autonomous purchase flows.
How do I add AgentPay to my agent?
Install @useagentpay/mcp-server via npm, configure stdio transport in your MCP client, and set AGENTPAY_PASSPHRASE and ANTHROPIC_API_KEY as required secrets.