Give AI a wallet — not your card number.
Store one card. Set a budget. Let Claude, ChatGPT, or any MCP agent buy things for you — inside limits you control, with a card your AI never actually sees.
Built so the AI can't hurt you.
Vaulted at Stripe — never at us.
Your card number goes straight from your browser to Stripe. Pay By AI stores a reference (pm_xxx), not the number. PCI compliance stays with Stripe; you stay anonymous to us in that dimension.
You set the rules, server enforces them.
Every budget has a spending limit, an optional store allowlist, and an auto-expiry. Exceed any of them and the payment fails before a cent moves — the AI can't override your limits even if it wanted to.
Cancel a budget in one click.
The moment you cancel, the AI's access dies. Future tool calls return 401. No waiting for a rollback, no support ticket, no charge sneaking through.
We never hold your money.
Payments flow directly from your card to the merchant via Stripe Connect destination charges. We're a thin routing layer — there's no balance to drain, no wallet to hack, no custody.
Works with every MCP-capable agent.
Claude (web + desktop + Code), ChatGPT Pro, custom agents — paste your budget code or let OAuth handle it. The same rules apply no matter which AI is holding the bag.
Free for customers. Forever.
No monthly fee, no processing fee on your side. Merchants cover the Stripe cost on their end like any other checkout. You pay Pay By AI zero.
From sign-up to AI-powered checkout.
- STEP 01Add a card
Stripe vaults it. We see nothing sensitive.
- STEP 02Create a budget
A spending cap, an expiry, an optional store list. The rules stick server-side.
- STEP 03Connect your AI
Paste your budget code into Claude, ChatGPT, or any MCP client — or let OAuth do it.
Open your wallet in under a minute.
No credit card required to sign up. No monthly fee. Test mode is on by default — nothing real charges until you're ready.
Questions? Read the customer setup guide or the full product tour.