Give AI a wallet — not your card number.
Store one card. Create a budget. Let your AI assistant order pizza, book flights, buy groceries — without ever seeing your card number. Stripe vaults the card; we hand the AI a budget you can cancel in one click.
Built so an agent can't hurt your pocketbook.
Agentic payments only work if the agent can't misuse them. These are the four guarantees baked into every transaction.
Never touches AI. Never touches us.
Cards vault inside Stripe the moment you add them. We store a reference — a pm_xxx ID — nothing sensitive. AI agents only ever see that opaque reference plus the budget you created. PCI scope stays with Stripe.
You set the rules before the AI spends.
Every budget has a spending limit, an optional store allowlist, and an auto-expiry. Try to exceed any of them and the payment fails before a cent moves. Nothing the AI can say or hallucinate overrides your limits.
Cancel any budget, any time.
One click in your dashboard and the budget stops working. Future attempts fail with 401. No call to a support line, no waiting on a rollback, no charge that sneaks through.
We never hold your money.
Funds route directly from your card to the merchant via Stripe Connect destination charges. We orchestrate; Stripe moves the money. No balance to drain, no wallet to hack.
Four steps to a safe AI wallet.
Create a wallet. Set your limits. Connect your AI. Shop — with guardrails the agent can't override.
- STEP 01
Create your wallet
Sign in, add a card. Stripe vaults it — we only ever see an opaque pm_xxx reference.
- STEP 02
Create a budget
Set a limit (e.g. $50), an expiry, and an optional store allowlist. The rules are enforced before any charge — the AI can't override them.
- STEP 03
Connect Claude or ChatGPT
Paste your budget code into your AI client as an MCP connector. Your AI now has a wallet with guardrails.
- STEP 04
Let your AI pay
When your AI pays a merchant's token, Stripe moves the money. Cancel the budget in one click if something looks wrong.
Three steps. Your AI gets a wallet.
Once your wallet is set up, you give Claude or ChatGPT one bounded token. They can spend up to your cap — and nothing more.
- STEP 01
Create your wallet
Sign up, add a card. Stripe vaults it — we only store a reference.
- STEP 02
Create a budget
Set a limit, an expiry, and (optionally) which stores it can be used at.
- STEP 03
Paste it into your AI
Add PayByMy.AI as a custom MCP connector using your budget code. Done — your AI can now pay.
Claude (web & desktop)
- 1Open Claude → Settings → Connectors → Add custom connector.
- 2Paste the MCP URL below and set the Authorization header to your budget code.
- 3Start a chat and ask Claude to list your payment methods.
URL: https://www.paybymyai.com/api/mcp Header: Authorization: Bearer <your-budget-code>
Claude Code
- 1Install Claude Code if you haven't (claude.ai/code).
- 2Run the command below — it registers PayByMy.AI as a remote MCP server.
- 3Inside Claude Code, ask it to preview or pay a payment request token.
claude mcp add --transport http paybymy-ai \ https://www.paybymyai.com/api/mcp \ --header "Authorization: Bearer <your-budget-code>"
ChatGPT (Pro / Business)
- 1In ChatGPT: Settings → Connectors → Create (requires Developer mode).
- 2Choose MCP Server, paste the URL, and add the Authorization header.
- 3Enable the connector in a chat and ask ChatGPT to pay a token.
Server URL: https://www.paybymyai.com/api/mcp Auth: Bearer token Token: <your-budget-code>
Need a budget? Create one in your wallet — it only takes a second.
Ready to give your agent a safe wallet?
Two minutes to sign in and add a card. Test mode is on by default — no real money moves until you flip the switch.