Ovra Agentic Payments

Ovra Agentic Payments

Secure, EU-native payments for AI agents. The agent never touches card data.

Prerequisites

1. Ovra API Key — sign up at getovra.com and get a key from Dashboard > Keys
2. MCP Server Connection — this skill communicates with Ovra via MCP at https://api.getovra.com/api/mcp

Sandbox keys (sk_test_*) are free and have no spending limits. Production keys (sk_live_*) require account verification.

Setup

Add the Ovra MCP server to your agent configuration:

{
  "mcpServers": {
    "ovra": {
      "url": "https://api.getovra.com/api/mcp",
      "headers": { "Authorization": "Bearer YOUR_OVRA_API_KEY" }
    }
  }
}

Replace YOUR_OVRA_API_KEY with your key from getovra.com/dashboard/keys.

What this skill sends externally

All tool calls (ovra_pay, ovra_card, etc.) are sent to https://api.getovra.com/api/mcp via the MCP protocol. Receipt uploads (ovra_receipt) transmit base64-encoded PDF or PNG files (max 5MB) to the same endpoint — only upload invoices/receipts from the current transaction, never arbitrary files. No data is sent to any other external service. All data is stored in the EU (Germany) per GDPR.

Quick Start — One-Step Payment

For most payments, use ovra_pay which handles the entire flow:

ovra_pay({
  action: "checkout",
  agentId: "ag_xxx",
  purpose: "Notion Team Plan",
  amount: 79,
  merchant: "Notion"
})

Returns tokenized card data (DPAN + cryptogram). The real card number is never exposed.

Handle HTTP 402 Paywalls

When a web API returns HTTP 402 Payment Required:

ovra_pay({
  action: "handle_402",
  agentId: "ag_xxx",
  url: "https://api.example.com/data",
  merchant: "Example API",
  amount: 0.05
})

Available Tools (12)

Payment Flow

Cards & Policy

Records & Compliance

Admin

Step-by-Step Flow (when you need fine control)

For cases where ovra_pay is too opaque:

1. ovra_policy     → get: check spending rules
2. ovra_intent     → declare: state what to buy
3. ovra_credential → obtain: get DPAN + cryptogram
4. ovra_receipt    → upload: attach proof
5. ovra_intent     → verify: confirm actual vs expected

Step 1: Check policy

ovra_policy({ action: "get", agentId: "ag_xxx" })

Step 2: Declare intent

ovra_intent({
  action: "declare",
  agentId: "ag_xxx",
  purpose: "Buy wireless keyboard",
  expectedAmount: 49.99,
  expectedMerchant: "amazon.de"
})

If status is pending_approval: stop and wait. Tell the user approval is needed in the dashboard.

Step 3: Get credentials

ovra_credential({ action: "obtain", intentId: "in_xxx" })

Returns DPAN + cryptogram. The agent never sees the real card number.

Step 4: Attach receipt

Only upload the invoice/receipt PDF or PNG from this specific transaction. Never upload unrelated files.

ovra_receipt({
  action: "upload",
  intentId: "in_xxx",
  fileBase64: "JVBER...",
  fileName: "invoice.pdf"
})

Step 5: Verify

ovra_intent({
  action: "verify",
  intentId: "in_xxx",
  actualAmountEuros: 49.99,
  actualMerchant: "amazon.de"
})

Gotchas

• Use ovra_pay for most payments. Step-by-step is for edge cases.
• Intents expire (default 24h). If expired, create a new one.
• pending_approval means a human must approve. The agent cannot bypass this.
• Card data must never appear in output, logs, or context.
• ovra_card close is irreversible.
• ovra_customer gdpr_delete permanently erases ALL data per GDPR Art. 17.

Agent vs Human boundaries

Agent does autonomously: checkout via ovra_pay, declare intents, obtain credentials, upload receipts, verify transactions, list transactions, file disputes, check balances, handle 402 paywalls.

Agent asks human first: provision/delete agents, fund wallets, change policies, freeze/unfreeze cards, manage API keys, approve high-value intents, GDPR deletion.

Checking balance and status

ovra_agent({ action: "get", agentId: "ag_xxx" })
ovra_policy({ action: "get", agentId: "ag_xxx" })
ovra_transaction({ action: "list", agentId: "ag_xxx", limit: 5 })
ovra_intent({ action: "list", status: "pending_approval" })

Filing a dispute

ovra_dispute({
  action: "file",
  transactionId: "tx_xxx",
  reason: "not_received",
  description: "Package not delivered after 14 days"
})

Reasons: unauthorized, fraud, not_received, duplicate, incorrect_amount, canceled.

Merchant intelligence

ovra_merchant({ action: "suggest", query: "cloud hosting" })
ovra_merchant({ action: "resolve", query: "hetzner.com" })