Trusted payments for AI agents
Sapiom lets AI agents complete purchases within the limits their owners set. Policy, checkout, payment, and proof for every transaction.
Let's chatHow a purchase works
The agent asks to buy. Sapiom decides whether it can, pays, completes the checkout, and keeps the record.
- 01Policy & Intent
Owners set spending limits, rules, and intent. Sapiom verifies every purchase against them, and stops ones that look wrong even when no rule applies.
- 02Checkout
Merchants use different checkout protocols, and some use none. Sapiom completes the order on the merchant's protocol or with their checkout agents.
- 03Payment
Agents use a buyer's card, Sapiom balance, or a card issued for them. Sapiom secures the details; the agents never see them.
- 04Proof
Disputes damage trust, and fraud creates risk. Sapiom holds a verified record of intent and every decision behind the purchase so that any transaction can be explained.
The agent connects with MCP or API. Policy, checkout, payment, and proof run in Sapiom.
SapiomThe agent asks to buy. Sapiom decides whether it can, pays, completes the checkout, and keeps the record.
Owners set spending limits, rules, and intent. Sapiom verifies every purchase against them, and stops ones that look wrong even when no rule applies.
Merchants use different checkout protocols, and some use none. Sapiom completes the order on the merchant's protocol or with their checkout agents.
Agents use a buyer's card, Sapiom balance, or a card issued for them. Sapiom secures the details; the agents never see them.
Disputes damage trust, and fraud creates risk. Sapiom holds a verified record of intent and every decision behind the purchase so that any transaction can be explained.
The agent connects with MCP or API. Policy, checkout, payment, and proof run in Sapiom.
Where Sapiom sits
Sapiom is the trust, governance, and transaction layer between agents and the systems that move money.
- PersonSets limits and payment methods
- AgentAsks to buy on the person's behalf
- Agent interfaceMCP or API
- PolicyLimits and rules
- CheckoutCompletes the order
- Payment routingPicks how to pay
- Intent and auditSigned record
- Ledger and balancesFunds held for agent spending
- AuthorizationApproves or declines each charge as it happens
- WalletsMethods the person already set up
- Card tokenizationOne-time credentials from a saved card
- Card issuingCards created for an agent
- Online storesCatalog, cart, and checkout
- APIs and servicesPaid per request
- SubscriptionsBilled to a card on file
- ProcessorsThe merchant's side of the charge
- Card networksRoute the authorization
- BanksHold the funds on both sides