# Agent Card > Manage prepaid virtual Visa cards for AI agents with AgentCard. Create cards, check balances, view credentials, pay for things, close cards, manage plans, and get support. Use when the user wants to create or manage virtual payment cards for AI agents, pay for online purchases, set up agent spending, or configure card billing and limits. - Skill: `bilal140202/agent-card` (Agent Skill) - Install (CLI): `npx skillmds@latest add bilal140202/agent-card` - Raw SKILL.md: https://api.skillmd.com/api/skills/bilal140202/agent-card/raw - Safety review: pending - Works with: Claude Code, Claude.ai, OpenAI Codex - Category: AI & ML - License: Proprietary - Author: Bilal140202 (https://skillmd.com/u/bilal140202) - Updated: 2026-09-21 - Page: https://skillmd.com/skills/bilal140202/agent-card --- # AgentCard You help the user manage prepaid virtual Visa cards through AgentCard MCP tools. ## Setup Tools are prefixed `mcp__agent-cards__*`. If no AgentCard tools are available, read `references/setup.md` and guide the user through connecting the MCP server. **Important**: If you just added the MCP server in this session, the tools won't be available until the session restarts. Tell the user to restart their agent session, then come back and try again. Do NOT fall back to raw `curl` calls against the API — the API routes are internal and will change. Use either the MCP tools or the CLI (see [CLI Reference](#cli-reference)). ## Available Tools | Tool | Purpose | |------|---------| | `list_cards` | List all cards with IDs, last four digits, expiry, balance, and status | | `create_card` | Create a new virtual Visa card (requires saved payment method; limits depend on plan — see `get_plan`) | | `check_balance` | Check live balance without exposing credentials | | `get_card_details` | Get decrypted PAN, CVV, expiry (may require approval) | | `close_card` | Permanently close a card (irreversible) | | `list_transactions` | List transactions with amount, merchant, status, timestamps | | `setup_payment_method` | Save a payment method via Stripe for future card creation | | `remove_payment_method` | Remove a saved payment method from Stripe | | `list_payment_methods` | List saved payment methods (id, brand, last4, expiry; marks the default) | | `set_default_payment_method` | Choose which saved payment method funds new cards | | `detect_checkout` | Check if current browser tab is a checkout page (requires Chrome extension) | | `fill_card` | Fill an existing card into a checkout form (requires Chrome extension) | | `pay_checkout` | Auto-create card and fill checkout form in one step (requires Chrome extension) | | `submit_user_info` | Submit KYC info (name, DOB, phone) required before first card | | `get_plan` | Show current plan, card limits, monthly usage, and upgrade options | | `upgrade_plan` | Start a Stripe Checkout to upgrade to the Basic plan | | `cancel_plan` | Cancel the active paid subscription (revert to Free) | | `get_mode` | Show the account's issuing mode (test = sandbox, prod = live cards) | | `set_mode` | Switch issuing mode between test (sandbox) and prod (live cards) | | `approve_request` | Approve or deny a pending approval request | | `start_support_chat` | Open a new support conversation | | `send_support_message` | Send a message in a support conversation | | `read_support_chat` | Read message history of a support conversation | ## Workflows ### Orientation When the user's intent is unclear, start with `list_cards` to see what exists. Use card IDs from responses in subsequent calls. ### Creating a Card 1. If the user has never created a card before, they need a saved payment method first. Call `setup_payment_method` and tell the user to open the returned Stripe URL to save their card. 2. Ask the user for the funding amount. Convert dollars to cents (e.g. $25 = 2500). Min $1; the max depends on the plan ($50 on Free, $500 on Basic) — call `get_plan` if unsure. 3. Call `create_card` with `amount_cents`. 4. **If `user_info_required`**: collect first name, last name, DOB, phone number. Confirm the user accepts the Stripe Issuing cardholder terms. Call `submit_user_info` with `terms_accepted: true`, then retry `create_card`. 5. **If 403 with `beta_capacity_reached`**: inform the user they've been waitlisted. Stop. 6. **If 202 (approval required)**: an email is sent to the account owner. Tell the user to check their email and approve. Once approved, call `approve_request` with the approval ID. 7. **On success**: present the card summary (last 4, balance, expiry). The payment method on file is charged only when the card is actually used. ### Test vs Live Mode New accounts start in **test** mode — `create_card` issues sandbox cards (no real charges, not usable at real merchants). To issue real cards funded by the saved payment method: 1. Call `get_mode` to check the current mode. 2. **Confirm with the user before switching to prod** — cards created in prod mode draw on their real payment method when used. 3. Call `set_mode` with `mode: 'prod'`. Switch back any time with `set_mode` `mode: 'test'`. If a created card's number looks like a test card (`4242…`), the account is still in test mode — tell the user and offer to `set_mode` to `prod`. ### Checking Balance Call `check_balance` with the `card_id`. Format cents as `$XX.XX` (divide by 100). ### Viewing Card Details (PAN/CVV) Only use `get_card_details` when the user explicitly needs the full card number, CVV, or expiry (e.g. to fill a payment form). This may trigger an approval flow. **Never proactively display PAN or CVV.** Prefer `check_balance` for routine balance checks. ### Viewing Transactions Call `list_transactions` with the `card_id`. Optionally filter by `status` (PENDING, SETTLED, DECLINED, REVERSED, EXPIRED, REFUNDED) and `limit`. ### Closing a Card **Always confirm with the user before calling `close_card`.** State clearly: "This will permanently close the card. Are you sure?" This action is irreversible. ### Paying for Things (Chrome Extension) For users with the AgentCard Pay Chrome extension: 1. **Detect**: Call `detect_checkout` to check if the current tab is a checkout page. Returns confidence score and detected amount. 2. **Fill**: Call `fill_card` with a `card_id` to fill an existing card into the form. Or use `pay_checkout` to create a new card and fill it in one step. 3. **Verify**: After filling, the user submits the form manually. If the extension is not installed, tell the user to run: ``` npx agent-cards extension install ``` Then load it in Chrome via `chrome://extensions` (Load unpacked from `~/.agent-cards/chrome-extension/`). ### Payment Method Setup 1. Call `setup_payment_method` to get a Stripe checkout URL. 2. Tell the user to open the URL and save their card details. 3. Once saved, the payment method is used automatically for future card creation. 4. To remove: call `remove_payment_method` with the `payment_method_id`. 5. To see saved methods and which is the default: call `list_payment_methods`. 6. To change which method funds new cards: call `set_default_payment_method` with the `payment_method_id`. ### Plans, Limits & Upgrades 1. Call `get_plan` to see the current plan (Free or Basic), the per-card amount cap, cards used/remaining this month, and renewal or cancellation status. 2. Before creating a large card, or whenever a limit error occurs, check `get_plan` first. 3. To upgrade: call `upgrade_plan`, give the user the returned Stripe Checkout URL, and tell them to complete payment in their browser. The plan updates automatically afterward — confirm with `get_plan`. 4. To cancel a paid subscription: call `cancel_plan` (reverts to Free). Confirm with the user first. 5. Test-mode cards bypass plan limits and don't count toward monthly usage. ### Support Chat 1. Call `start_support_chat` with an initial message. Save the returned `conversation_id`. 2. Use `send_support_message` with the `conversation_id` and message. 3. Use `read_support_chat` to check for replies. ## Safety Rules - **Never proactively display PAN or CVV.** Only show when the user explicitly asks. - **Always confirm before closing a card.** Closing is permanent and irreversible. - **Confirm before switching to prod mode.** Prod cards draw on the user's real payment method. - **Format money as dollars.** Display `$50.00` not `5000 cents`. Divide cents by 100. - **Track IDs across the conversation.** Remember card IDs, conversation IDs, and approval IDs so the user doesn't have to repeat them. ## Error Handling - **`beta_capacity_reached` (403)**: User has been waitlisted. Nothing to do but wait. - **`user_info_required`**: First-time user needs to submit identity info via `submit_user_info` before creating cards. - **`approval_required` (202)**: Action needs human approval. An email was sent. Guide the user to approve, then call `approve_request`. - **`payment_method_required`**: No saved payment method. Call `setup_payment_method` first. - **`amount_exceeds_limit` / `card_limit_reached` (400)**: A plan limit was hit. Call `get_plan` to show current limits and usage; offer `upgrade_plan` to raise them. - **Card creation fails**: Check `get_plan` — the user may have used their monthly card quota for their plan. Suggest upgrading or waiting until next month. ## Testing For testing without real payment, the account's test mode (see [Test vs Live Mode](#test-vs-live-mode)) issues sandbox cards. You can also pass `sandbox: true` to `create_card` to force a test card immediately. Sandbox cards incur no real charges and don't count toward plan limits. ## CLI Reference If MCP tools aren't loaded yet (e.g. the server was just added and the session hasn't restarted), use the `agent-cards` CLI as a fallback. **Do not use raw curl/API calls** — the API routes are internal. ```bash agent-cards cards list # list all cards agent-cards cards create --amount 5 # create a $5 card (interactive prompt) agent-cards balance # check balance agent-cards transactions # list transactions agent-cards payment-method # manage payment methods agent-cards setup-mcp # configure MCP server in Claude Code agent-cards support # start support chat ``` Note: `cards create` uses interactive prompts that may not work in all shells. Pipe input if needed: `echo y | agent-cards cards create --amount 5`. Prefer MCP tools when available.