paycarter
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Agentic payments for business

Your AI agent. Your company card.

PayCarter lets an employee's AI agent buy what the business needs on a company card, inside limits your finance team sets. Every purchase is checked, approved where needed, and recorded.

Join the launch list See how it works
Agent asks for£240.00
Limit per purchase£250.00

Above £100.00, a named approver says yes first. Example with demo values, not real limits or pricing.

Two people working on laptops at a marble table
Jamie's agent wants to buy Fernhill Software £240.00
Annual plan, design team Waiting for Priya
Photo: Mikhail Nilov / Pexels

Set the rules once.

Decide how much each agent can spend, where it can buy, and when a person has to approve. The rules apply to every purchase.

Approve what matters.

Small, routine purchases go through. Larger ones wait for a named approver, who can say yes or no from a message.

See every purchase.

Each request, decision, payment and receipt is kept together, tied to the employee whose agent made it.

From request to receipt.

The agent never holds the company card. It asks permission for one purchase at a time, and PayCarter decides what happens next.

  1. The agent

    Asks to buy

    It says what it wants, from whom, for how much, and why.

  2. PayCarter

    Checks the rules

    Limit, budget and merchant are checked against your policy straight away.

  3. Your team

    Approves if needed

    Above your threshold, the request goes to a person and the agent waits.

  4. PayCarter

    Pays and records

    The agent gets payment details for that purchase only. The receipt is filed.

For developers and the agents they run

One request. One answer.

Connect an agent through an API or an MCP server. It makes a purchase request and gets back one of three answers: approved, pending or denied.

  • Works with agents that speak MCP, and anything that can call an API.
  • Each agent is tied to a named employee, so every purchase has an owner.
  • Payment details are issued per purchase and are not reusable.
request_purchaseDraft · will change before launch
// The agent asks to buy something
request_purchase({
  merchant: "Fernhill Software",
  amount:   "240.00",
  currency: "GBP",
  reason:   "Annual plan, design team"
})

// PayCarter checks the policy and replies
{
  "intent": "int_demo_0042",
  "status": "pending",
  "needs":  "approval from Priya (Finance)"
}

Rules a finance team would write.

Each rule is checked on every purchase, before any payment details exist.

Purchase request Demo values
Fernhill Software £240.00 Approved
Requested by
Jamie's agent
Limit per purchase
£250.00 · within limit
Approval needed above
£100.00
Approved by
Priya, Finance
Monthly budget
£2,000.00
Left after this purchase
£1,760.00
Reference
PC-DEMO-0042
Limit per purchase
The most an agent can spend in one go.
Monthly budget
A ceiling for each employee, team or agent.
Approved merchants
Where agents may buy, and where they may not.
Approval threshold
Above this amount, a named person approves first.
Expiry
Permission lapses if the purchase isn't made in time.
Audit trail
Request, decision, payment and receipt, ready to export to your accounts.
A person in a pale green suit checking a phone, with one hand on a laptop
Photo: Karola G / Pexels

Approve from wherever you are.

When a purchase needs a person, the approver gets a message showing what the agent wants, why, and what it does to the budget.

  • The agent waits. Nothing is paid until someone says yes.
  • Approve or decline in one step, with a reason if you want to give one.
  • The decision is kept with the purchase, alongside the receipt.

Where we are.

PayCarter is in development. It is not a live payment service yet and it does not hold or move money.

The details on the right will be filled in as they are confirmed. Until then we would sooner leave them blank than guess.

Operator
To be confirmed
Card networks
To be confirmed
Card issuer
To be confirmed
Who can apply
UK businesses first
Pricing
Not set yet
Contact
Via the launch list

Questions.

What is an agentic payment?

A purchase made by an AI agent for a person or a business. Someone sets what the agent is allowed to buy, and the agent completes the checkout itself.

Does the agent get our card number?

No. PayCarter is designed so the agent asks permission for one purchase and, once that is approved, receives payment details that work for that purchase only.

Which cards will it work with?

We are building for company Visa and Mastercard cards, using the agent payment programmes both networks have introduced. Our access to those programmes is not confirmed yet, so we can't promise a network or a date.

Can we use PayCarter today?

Not yet. Join the launch list and we will tell you when early access opens for UK businesses.

What will it cost?

Pricing isn't set. It will be published in full before anyone is asked to sign up.

Give your agent a budget.

The launch list opens shortly. Early access will go to UK businesses first.

Work email only. No card or bank details.