AI app for it and development · no coding needed
Agent payment authorization and spend control portal
Give agents a controlled way to pay while the user keeps authority over every transaction.
Made for: Product teams and platform engineers letting AI agents pay and buy on behalf of users
What it does for you
The problem
Agents can act but cannot be trusted with money: card details, limits, approvals, merchant checkout and spend records sit in separate tools.
What it gives you
User-authorized agent payments with a complete spend record
What you give it
Tokenized card credentialsuser spending rulesapproval decisionsmerchant catalogorder data
Build your own version of Walle, Prava and more
One app with what these 5 AI tools do, yours to keep and change: Walle, Prava, Visa Intelligent Commerce, CartAI, Fewsats.
Everything these tools do, in one app
- Agent-initiated payments Allows AI agents to make payments or complete purchases on behalf of users without manual intervention.Found in Prava, Visa Intelligent Commerce, CartAI and 1 more
- Tokenized card security Uses secure tokens instead of full card details to protect user information during transactions.Found in Prava, Visa Intelligent Commerce, CartAI and 1 more
- Spending limits and controls Lets users set spending limits and transaction rules to maintain oversight and prevent misuse.Found in Prava, Visa Intelligent Commerce, Fewsats
- Approval workflows Provides passkey-style approvals or other mechanisms for users to authorize agent transactions.Found in Prava
- PCI-compliant payment handling Processes payments in a PCI-compliant manner, reducing compliance burden for developers.Found in Prava, CartAI
- Developer SDKs Offers software development kits for easy integration into AI applications.Found in Prava, Fewsats
- Testing playground Provides a no-setup environment to test the full agentic payment flow.Found in Prava
- Existing payment processor orchestration Works over existing payment processors so agents can transact without merchants changing their stacks.Found in Prava
- Personalized shopping experiences Enables AI-powered personalization for shopping with user consent.Found in Visa Intelligent Commerce
- Catalog search Searches across merchants for live product variants, pricing, and checkout estimates.Found in CartAI
- Checkout completion Completes purchases on live merchant surfaces and tracks orders to confirmation.Found in CartAI
- Order data and webhooks Returns normalized order data and sends webhooks for transaction updates.Found in CartAI
- Commission capture Automatically captures affiliate commissions from agent-driven purchases.Found in CartAI
- MCP server integration Provides an open-source MCP server for direct integration into AI agents like Claude or Cursor.Found in CartAI
- Cooperative bot mitigation Uses signed agent identity and Web Bot Auth to cooperate with bot detection systems.Found in CartAI
- Microtransaction support Enables AI agents to handle numerous small payments efficiently.Found in Fewsats
- Double-spend prevention Prevents double spending and unauthorized transactions.Found in Fewsats
- Automatic expense categorization Automatically categorizes expenses to streamline budget management.Found in Walle
- Real-time financial tracking Provides real-time tracking with detailed reports and visualizations.Found in Walle
- Bank account integration Securely integrates with multiple bank accounts and payment platforms.Found in Walle
- Budget goals and alerts Allows setting customizable budget goals and alerts to maintain spending discipline.Found in Walle
- Multi-device synchronization Synchronizes financial data across smartphones, tablets, and desktops.Found in Walle
How it works, step by step
- Register agents and issue scoped payment credentials
- Replace card details with tokenized credentials
- Enforce user spending limits and transaction rules
- Route transactions above thresholds to passkey-style user approval
- Process payments through PCI-compliant handling
- Provide developer SDKs for agent integration
- Offer a no-setup testing playground for the full flow
- Orchestrate existing payment processors without merchant changes
- Apply consented personalization to shopping requests
- Search merchant catalogs for live variants, pricing and checkout estimates
- Complete checkout on live merchant surfaces and track orders to confirmation
- Return normalized order data and send transaction webhooks
- Capture affiliate commissions on agent-driven purchases
- Expose an MCP server for direct agent integration
- Present signed agent identity for cooperative bot mitigation
- Support microtransactions and prevent double spending
- Categorize expenses and track budgets in real time
- Sync accounts and spend data across devices
- Compare the reviewed result with the recorded baseline and value assumptions
- Capture corrections and named-owner approval before consequential use
- Export a versioned user-authorized agent payments with a complete spend record with source references and unresolved questions
Build it yourself with your AI system
Build this app yourself, no coding needed
Start with a quick version you can try in a few minutes. Like it? Then build the full app by copying and pasting our step-by-step instructions: everything is prepared for you.
Sign in to see how to build it yourself
Build a quick version to try, or get the full app pack for Agent payment authorization and spend control portal with the step-by-step building instructions. You don't need any technical skills: you copy, paste and answer a few questions. Both are included in the membership.
4 Have it built for you days to a few weeks
Rather not do it yourself, or want it fully tailored to your data, your way of working and your brand? Nexibeo builds Agent payment authorization and spend control portal with you.
What's in the app pack
Included in the Complete AI Training membership.
- The building instructions your AI follows, step by step
- The questions your AI will ask you about your business before it starts
- A clickable demo you can open in your browser, to see how it should work
- A detailed blueprint of the screens, the information it keeps and the checks it runs
Become a member to get the app packAlready a member? Sign in
The files, for the technically curious
- START-HERE.mdHow to build it with your own AI (read first)3 KB
- README.mdOverview and links5 KB
- questions.mdQuestions to answer before you build3 KB
- prompt-cloudflare.mdThe full build prompt, hosted on Cloudflare28 KB
- prompt-vps.mdThe same build on your own server (Docker)28 KB
- spec.jsonData model, API, AI pipeline, acceptance criteria15 KB
- demo/index.htmlThe working demo on sample data195 KB
Questions
Do I need to know how to code?
No. You copy and paste the prompts on this page into ChatGPT or Claude, and the AI does the building. When it asks you something, you answer in your own words.
What does it cost?
The quick version, the app pack and the step-by-step instructions are for members: you pay the membership price, not a price per app (see the plans). Building the full app uses your own ChatGPT or Claude subscription. Putting it online is often cheap or no cost at the start, and your AI tells you before anything costs money.
How long does it take?
The quick version: about two minutes. The real app: an afternoon for a first version you can use, longer if you want every feature.
Can I change it to fit my business?
Yes. Tell your AI what to change in plain words, like “add a column for the price” or “use our logo and colours”. Or have Nexibeo build and customise it for you.
More detailsHow the AI works, safeguards and what to build first
Give agents a controlled way to pay while the user keeps authority over every transaction. For product teams and platform engineers letting AI agents pay and buy on behalf of users, convert tokenized card credentials, user spending rules, approval decisions, merchant catalog and order data into user-authorized agent payments with a complete spend record. The benefit is a testable hypothesis, measured through authorized transactions completed without manual intervention and unauthorized or duplicate charges per 1,000 transactions; do not assume that AI output alone produces business value.
Confirm the buyer's problem and scope, collect tokenized card credentials, user spending rules, approval decisions, merchant catalog and order data, then follow this sequence: 1. Register agents and issue scoped payment credentials. 2. Replace card details with tokenized credentials. 3. Enforce user spending limits and transaction rules. 4. Route transactions above thresholds to passkey-style user approval. 5. Process payments through PCI-compliant handling. 6. Complete checkout on live merchant surfaces and track orders to confirmation. Resolve uncertain cases with qualified reviewers, approve user-authorized agent payments with a complete spend record, and measure authorized transactions completed without manual intervention and unauthorized or duplicate charges per 1,000 transactions against a documented baseline.
How the AI works
Use AI to interpret permitted inputs, suggest structured mappings and generate candidate outputs for the three stated task modules. Use deterministic code for arithmetic, schema validation, hard constraints and reproducible tests. Review source-linked explanations and uncertainty before accepting results. One sandbox merchant set and test card range; final payment authorization and dispute decisions remain human. A model suggestion is never a verified fact, professional decision or authorization to act.
Safeguards
Preserve user consent, source attribution, transaction accuracy and usage permissions. Users approve substantive changes and payment scope. One sandbox merchant set and test card range; final payment authorization and dispute decisions remain human. Keep all consequential actions under authorized human control and do not fabricate missing inputs, permissions, professional judgments or market evidence.
What to build first
Pilot scope: One sandbox merchant set and test card range; final payment authorization and dispute decisions remain human. Implement one approved input format, a bounded representative case set and the first two task modules: register agents and issue scoped payment credentials; replace card details with tokenized credentials. Support the third module with operator review: enforce user spending limits and transaction rules. Include source references, corrections, basic organization access, approval states, export and value measurement. Use managed operator assistance for unresolved exceptions. The cost estimate covers this narrow prototype, not unrestricted multi-tenant scale, complex production integrations, specialist certification or physical operations.
What it can connect to
User-owned bank accounts, authorized merchant catalogs and permitted payment processors. Cloud credential storage, design-file import/export and publishing destinations. Start with file exchange and validate destination specifications before promising direct publishing. Start with authorized file exchange. Validate current provider access, usage rights and schema behavior before promising a connector.
The screens in detail
Primary screens: Agent and credential setup, Live transaction monitor, User approval and spend review. Use a portfolio list of agents and connected accounts, a central transaction timeline, and a right-hand panel for limits, rules and approvals. Let users compare attempted, authorized and settled states side by side. Display pending, approved, declined and reversed states. Provide a user approval link with the merchant, amount and agent identity attached. Make the task-specific outcome user-authorized agent payments with a complete spend record visible beside its evidence, review state and value baseline.
