Money agents can spend.

Scoped virtual cards with hard spend limits — funded, assigned, and tracked per agent.

Get your API keyRead the docs
Invoices$7,010 billed
  • Acme Co.$4,200Paid
  • Globex$1,850Due
  • Initech$960Sent
  • Umbrella$2,400Due
  • Stark Ind.$6,100Paid
  • Wayne Ent.$1,320Sent
Invoices$7,010 billed
  • Acme Co.$4,200Paid
  • Globex$1,850Due
  • Initech$960Sent
  • Umbrella$2,400Due
  • Stark Ind.$6,100Paid
  • Wayne Ent.$1,320Sent
AGENTVISA

Paste and ship

Drop this into Cursor, Claude Code, or any agent. It reads the skill manifest and wires up Payments for you.

Agent prompt

Read https://usenaive.ai/skill.md and set up Naïve for Payments in my project.

Payments primitives with guardrails.

Managed virtual cards, prepaid gift cards, top-ups, and a single credit balance — built for autonomous spend.

Create a card. Set a limit. Track spend.

A checkout flow funds each card; credentials unlock once payment clears — all behind one bearer token.

POST /v1/cards

Create a Card

Card creation follows a checkout flow — you receive a checkout_url for the card's initial funding. Set a hard spending limit and choose a managed virtual or prepaid card.

Managed Virtual
Visa/Mastercard, no cap.
Prepaid Gift
Up to $150, no cardholder.
Hard Spend Limits
spending_limit_cents.
Hosted Checkout
Fund via checkout_url.
# Create a cardholder (once per company)
$ naive cards create-cardholder --first-name John --last-name Doe

# Create a virtual card with a spend limit
$ naive cards create --name "Marketing" --spending-limit 10000

# Fund + issue after checkout
$ naive cards check-payment <card-id>
GET /v1/cards/:id/details

Issue & Reveal

After the checkout payment clears, check-payment issues the card automatically. Once active, retrieve the full card number, CVC, and expiry to start spending.

Check Payment
Issues the card on success.
PAN + CVC
Full credentials when active.
Agent Assignments
Scope who can spend.
Transactions
Auto-captured + manual logs.
# Check funding, then read card credentials
$ naive cards check-payment <card-id>

$ naive cards details <card-id>

# Review transactions on the card
$ naive cards transactions <card-id>
POST /v1/cards/:id/top-up

Top Up

Add more funds to an active card's spending limit. Returns a checkout_url for the top-up payment, just like card creation.

Top Up
Add funds to an active card.
Checkout Flow
Same hosted payment.
Credits & Billing
One balance, metered.
Refunds
Recover failed issuance.
# Add funds to an active card
$ naive cards top-up <card-id> --amount 5000

# Review spend across all cards
$ naive cards transactions

# Cancel a card when you're done
$ naive cards cancel <card-id>
POST /v1/billing/subscribe

Billing & Credits

Your own Naïve subscription and credit balance — pick a plan, top up credit packs that never expire, and check status. Every primitive is metered against one balance.

Plans
Starter and Pro tiers.
Credit Packs
One-time, never expire.
One Balance
Metered across primitives.
Billing Portal
Upgrade, change, cancel.
# Subscribe to a plan, then top up credits
$ naive billing plans

$ naive billing subscribe --plan starter

$ naive billing topup --pack medium
POST /v1/plans

Customer Billing

Monetize your own end-customers — define plans mapped to Account Kits and per-primitive quotas, subscribe each tenant, and let Naïve meter usage and enforce limits automatically.

Plans → Kits
Permissions per plan.
Per-Tenant Subs
Driven by your Stripe webhook.
Metered Usage
Quotas per primitive, per period.
Quota Enforcement
429 on overage.
// Define a plan, then subscribe a tenant
await naive.plans.upsert({
  key: "pro", name: "Pro",
  accountKitId: proKit.id,
  quotas: { seo: 1000, email: 500 },
  period: "month",
});
await naive.forUser(tenant.id).billing.setSubscription({ planKey: "pro" });

Let agents transact, safely.

Scoped cards, hard limits, and full transaction history — no shared company card.

Get your API keyRead the docs