How do I install the Agentpay skill?

Run npx skillmds@latest add modbender/agentpay in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.

Is Agentpay safe to use?

This skill has not completed SkillMD's automated safety review yet. Independent scanners report: SkillSpector: PASS, Skill Scanner: PASS. Capability flags: makes network calls. SkillMD never runs a skill's scripts for you; review the SKILL.md before installing.

Which AI agents work with Agentpay?

This skill is tagged as working with Claude Code, Claude.ai, OpenAI Codex. SKILL.md is an open format, so most agents that read a skills directory can load it too.

Is Agentpay free to use?

Yes. Installing skills from SkillMD is free, and the skill stays under its author's original license.

Who published Agentpay?

modbender (@modbender) published this skill. Their other Agent Skills are listed on their SkillMD profile.

Agentpay by modbender — Agent Skill

Name: Agentpay
Rating: 4.5 (4 reviews)
Author: modbender

Agentpay

Buy things from real websites on behalf of your human. Use when you need to purchase a product, complete a checkout, order something online, or propose a purchase for human approval. Handles encrypted credential storage, cryptographic purchase mandates, and headless browser checkout on any merchant site. The agent never sees the card.

modbender Updated Sep 9, 2026 12 repo stars

File contents

AgentPay — Secure Checkout for AI Agents

AgentPay lets you buy things from real merchant websites without ever seeing your human's payment credentials. Credentials stay encrypted on the human's machine. You propose purchases; your human approves cryptographically.

References

references/cli-reference.md — All CLI commands with examples
references/workflow.md — Step-by-step purchase workflow and error handling

Setup (one-time, human does this)

npx agentpay setup

The human enters their card details and sets a passphrase. Takes ~2 minutes. After this, the agent can propose purchases.

To set spending limits:

npx agentpay budget --set 500 --limit-per-tx 100

Core Workflow

1. Propose a purchase

npx agentpay buy \
  --merchant "Amazon" \
  --description "Wireless keyboard, Logitech K380" \
  --url "https://www.amazon.com/dp/B0148NPH9I" \
  --amount "39.99"

This creates a pending purchase mandate. The human must approve it.

2. Human approves

npx agentpay pending     # list pending purchases
npx agentpay approve <txId>

Once approved, the headless browser handles checkout automatically. The agent never sees the card number — credentials are injected directly into the page from the encrypted vault.

3. Check status

npx agentpay status      # wallet status + recent transactions
npx agentpay history     # full transaction log

MCP Server

AgentPay includes a built-in MCP server for direct tool integration:

npx agentpay mcp         # stdio transport (default)
npx agentpay mcp --http  # HTTP transport

This exposes AgentPay operations as MCP tools that any compatible agent can call directly.

Quick Actions

Task	Command
Buy something	`npx agentpay buy --merchant "Store" --description "Item" --url "https://..." --amount "29.99"`
Check pending	`npx agentpay pending`
View budget	`npx agentpay budget`
Transaction history	`npx agentpay history`
Open dashboard	`npx agentpay dashboard`

Important Rules

Never attempt to read, extract, or log payment credentials from the vault
Always include --merchant, --description, and --url when proposing a purchase
Always tell your human what you want to buy and why before proposing
If a checkout fails, check npx agentpay status for error details — do not retry without telling the human
Respect budget limits. If a purchase exceeds the per-transaction limit, inform the human instead of splitting into multiple transactions

Ideas to Try

"Order me a new phone charger under $20 from Amazon"
"Restock my usual coffee beans from the same store as last time"
"Find the cheapest flight to Madrid and book it for me"
"Buy the textbook I need for next semester"
"Subscribe me to that newsletter we were looking at"

---name: agentpaydescription: Buy things from real websites on behalf of your human. Use when you need to purchase a product, complete a checkout, order something online, or propose a purchase for human approval. Handles encrypted credential storage, cryptographic purchase mandates, and headless browser checkout on any merchant site. The agent never sees the card.--- # AgentPay — Secure Checkout for AI Agents AgentPay lets you buy things from real merchant websites without ever seeing your human's payment credentials. Credentials stay encrypted on the human's machine. You propose purchases; your human approves cryptographically. ## References - `references/cli-reference.md` — All CLI commands with examples - `references/workflow.md` — Step-by-step purchase workflow and error handling ## Setup (one-time, human does this) ```bash npx agentpay setup ``` The human enters their card details and sets a passphrase. Takes ~2 minutes. After this, the agent can propose purchases. To set spending limits: ```bash npx agentpay budget --set 500 --limit-per-tx 100 ``` ## Core Workflow ### 1. Propose a purchase ```bash npx agentpay buy \ --merchant "Amazon" \ --description "Wireless keyboard, Logitech K380" \ --url "https://www.amazon.com/dp/B0148NPH9I" \ --amount "39.99" ``` This creates a pending purchase mandate. The human must approve it. ### 2. Human approves ```bash npx agentpay pending # list pending purchases npx agentpay approve <txId> ``` Once approved, the headless browser handles checkout automatically. The agent never sees the card number — credentials are injected directly into the page from the encrypted vault. ### 3. Check status ```bash npx agentpay status # wallet status + recent transactions npx agentpay history # full transaction log ``` ## MCP Server AgentPay includes a built-in MCP server for direct tool integration: ```bash npx agentpay mcp # stdio transport (default) npx agentpay mcp --http # HTTP transport ``` This exposes AgentPay operations as MCP tools that any compatible agent can call directly. ## Quick Actions | Task | Command | |------|---------| | Buy something | `npx agentpay buy --merchant "Store" --description "Item" --url "https://..." --amount "29.99"` | | Check pending | `npx agentpay pending` | | View budget | `npx agentpay budget` | | Transaction history | `npx agentpay history` | | Open dashboard | `npx agentpay dashboard` | ## Important Rules - **Never** attempt to read, extract, or log payment credentials from the vault - **Always** include `--merchant`, `--description`, and `--url` when proposing a purchase - **Always** tell your human what you want to buy and why before proposing - If a checkout fails, check `npx agentpay status` for error details — do not retry without telling the human - Respect budget limits. If a purchase exceeds the per-transaction limit, inform the human instead of splitting into multiple transactions ## Ideas to Try - "Order me a new phone charger under $20 from Amazon" - "Restock my usual coffee beans from the same store as last time" - "Find the cheapest flight to Madrid and book it for me" - "Buy the textbook I need for next semester" - "Subscribe me to that newsletter we were looking at"

Frequently asked questions