Agentic Payments & Settlement

Nevermined Pay: Give Your AI Agent a Credit Card (With Guardrails)

AI agents can now browse the web, write code, book meetings, and negotiate deals. But the moment they need to buy something? They hit a wall. Every transaction still requires a human to pull out a credit card, copy-paste credentials, or approve a checkout flow designed for people, not machines.
By
Nevermined Team
Apr 7, 2026
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AI agents can now browse the web, write code, book meetings, and negotiate deals. But the moment they need to buy something? They hit a wall. Every transaction still requires a human to pull out a credit card, copy-paste credentials, or approve a checkout flow designed for people, not machines.

On the other side, merchants have no way to accept payments from autonomous mchines. There's no infrastructure connecting agents with spending power to merchants who want that revenue.

That changes today.

Nevermined Pay is live at pay.nevermined.app. It's an application that lets AI agents make real payments autonomously, and lets merchants receive them. Card holders delegate their credit cards through controlled payment mandates. Merchants enroll to capture a new revenue channel. Nevermined sits in the middle, helping facilitate both sides on existing card infrastructure.

The Problem: Commerce Wasn't Built for Agents

The internet's payment infrastructure assumes a human is present. Credit card forms, 3D Secure challenges, CAPTCHAs. None of it works when the "buyer" is an AI agent executing a multi-step workflow at 3 AM.

Developers have been hacking around this with hardcoded API keys, stored credentials, and fragile integrations. It's insecure, unscalable, and puts real card data at risk inside agent runtimes.

How It Works: For Card Holders and Agent Builders

You enroll your real credit card once. The card number is tokenized. Nevermined never sees or stores it. Then you create mandates that define exactly how your agent can spend.

Step 1: Enroll your card.

Add your credit card through Nevermined Pay. Your card data is tokenized and stored in a PCI-compliant vault. Raw card numbers never touch Nevermined's servers, and they never reach your agentís runtime.

Step 2: Create a payment mandate with guardrails.

Define exactly how much your agent can spend and under what conditions:

  • Spending limit (e.g., $10 max)
  • Time window (e.g., valid for 1 month)
  • Transaction count cap (e.g., no more than 10 purchases)
  • Merchant category restrictions
  • Per-purchase caps

These aren't suggestions. They're hard limits enforced server-side on every request.

Step 3: Delegate the mandate to your agent.

Your agent receives an API key and pays via x402, not your card number. It can now make purchases autonomously within the boundaries you set. If the agent tries to exceed any guardrail, the transaction is rejected. You can revoke instantly, and every transaction is logged with full auditability.

How It Works: For Merchants

AI agents are increasingly making autonomous purchases. Merchant enrollment is how you capture that demand.

You enroll with Nevermined to unlock the ability to receive payments from AI agents. Nevermined handles agent authentication, mandate enforcement, and the x402 settlement flow on your behalf.

Your existing payment infrastructure doesn't need to change. No new integration work. No rebuilding your stack. You get a new revenue channel from autonomous agents using the same rails you already run on.

Who This Is For

Card holders and agent builders who want their agents to purchase APIs, datasets, cloud resources, or digital services autonomously without embedding raw credentials, with safe, controllable delegation.

Enterprises deploying fleets of agents that need controlled, auditable spending across multiple workflows.

Merchants and API providers who want to receive payments from AI agents without rebuilding their stack. Enroll once, and your services become agent-accessible through your existing payment infrastructure.

MCP server developers who want to charge for tool access with built-in metering and access control.

Why This Matters

The agentic economy needs payment rails. Card holders need safe, controllable delegation. Merchants need a way to receive agent payments without rebuilding their stack. Neither side has had infrastructure purpose-built for this.

Nevermined Pay removes the agentic payment bottleneck. It gives agents the ability to participate in commerce as first-class economic actors, with the security, auditability, and control that both builders and card networks demand.

As Nevermined CTO Aitor Argomaniz puts it: "Current payment infrastructure was built for static transactions, like selling t-shirts on the internet, where the price of a small shirt doesn't change over time. AI agents are dynamic and require an equally dynamic payments system that can respond instantly to new requests."

Get Started

Nevermined Pay is live now.

  • Try it: pay.nevermined.app
  • Read the docs: docs.nevermined.app
  • Integrate with SDKs: TypeScript (`@nevermined-io/payments`) or Python (`payments-py`), or use the REST API from any language
  • Talk to us: contact@nevermined.ai

Your agents are ready to work. Now they're ready to pay. Any Protocol. Any rail. Any price.

See Nevermined

in Action

Real-time payments, flexible pricing, and outcome-based monetization—all in one platform.

Schedule a demo
Nevermined Team
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