If your store already takes Visa and Mastercard online, it can take payment from AI agents that pay through Authoryze, with nothing to integrate. The agent checks out with an ordinary card number, expiry, security code, and billing address, typed into the same card form your customers use, and the charge reaches your processor like any other online card payment. Whether an agent actually finishes the order depends on everything around the card field, and most of that is in your control.
This page is for store owners and ops leads who are seeing agent traffic, or expect to, and want those visits to turn into completed orders. It covers what an agent-paid order looks like from your side, the checkout changes that help, and what to do if your own business wants to run an agent that buys things for your customers.
What an agent-paid order looks like from your side
A person sets up Authoryze, adds the card they want their agent to spend from, and sets rules: how much the agent may spend per purchase and per day, week, or month, which stores it may buy from, and which purchases need their approval first. When the agent wants to buy something from you, it asks Authoryze before it pays. If the request passes the rules, and the person approves it when approval is needed, the agent gets a card for that one purchase.
That card is what your checkout sees. It is a Visa or Mastercard credential with a card number, expiry date, and security code, entered into your card form. With it, the agent gets the cardholder's name and billing address when the person has added them to their account, so your address verification has something to compare against. The shipping address is separate, and the agent asks the person for it.
Two things about the card matter to you.
It is issued for one approved purchase. The person, or the rules they set, approved a specific purchase at a specific total. Authoryze issues the card for that purchase and tracks it against what was approved. It is not meant for a second shipment, a reorder, or a subscription renewal later.
It is short-lived. The agent gets the card when it reaches your payment step, and the card expires soon after. The charge should run when the order is placed.
How to make your checkout work for AI agents
An agent shopping for someone moves through your site much like a person does. It loads pages, reads them, fills in forms, and clicks buttons, often in a real browser. Most of what helps a hurried customer on a phone helps an agent too. In rough order of impact:
- Show the full total before the payment step. Tax, shipping, and fees should be on the page before the card fields. The agent gets a specific total approved before it pays. If the total grows after the card is entered, the purchase no longer matches what was approved.
- Offer guest checkout. Forced account creation, email verification loops, and text message codes to the buyer's phone stop an agent until a person steps in.
- Use a standard card form. Clearly labeled fields for card number, expiry, security code, cardholder name, and billing address, with standard autocomplete attributes, are the easiest for software to fill correctly.
- Keep CAPTCHAs and hard bot blocks off the checkout. Protection that refuses every automated browser also refuses agents shopping for real customers. If you need it, put it on signup and login rather than the cart. Your processor's address and security code checks still run on every agent-paid charge.
- Save step-up checks for risky orders. A 3-D Secure challenge that the cardholder has to confirm in their banking app leaves the agent waiting on a person. Reserve it for the orders that actually look risky.
- Put product facts in the page text. Price, size, stock, and delivery date should be readable as text, and in Product structured data if you can, not only in images or behind a click. An agent confirms it is buying the right thing at the right price before it asks for approval.
- Charge once, at checkout. Each card is issued for one approved purchase and expires soon after, so charge the full order when it is placed rather than splitting it into later charges or holding it for days of manual review.
- Make success and failure obvious. An order number and total on the confirmation page, or a plain error message when payment fails, let the agent report the result accurately. Authoryze asks agents to report the outcome of every checkout attempt, and that report is what the buyer sees.
None of this is specific to Authoryze. It is what any agent paying with a card needs from a checkout.
Do you need to integrate anything?
Not for agents paying through Authoryze. Authoryze works on the buyer's side. It decides whether the agent may spend, and hands it a card when it may. It has no merchant program, no SDK for stores, and no merchant fee. Your processor, your fraud tools, and your refund process stay as they are.
Some AI platforms and payment companies also run merchant-side programs, where you connect your catalog or checkout to their protocol so agents can buy inside a chat. Those need their own integration and reach the agents that use that protocol. Can ChatGPT buy things for you? covers one of them, the Agentic Commerce Protocol. A card checkout that agents can finish is the baseline either way, because it works for any agent that pays with a card.
If your business wants an agent to buy for your customers
Some people asking how to let AI agents complete purchases for customers are on the other side of the counter. They run a service where someone buys things on a client's behalf, like a procurement desk, a travel or concierge service, or an operations team restocking supplies for clients, and want an agent to do the buying. That is what Authoryze teams are for.
A team funds its agents from one card, added by a funding admin, so nobody hands an agent the company card number. Admins set rules for each agent, team-wide daily, weekly, and monthly caps across every agent combined, and the amount above which a purchase needs a person's approval. Purchases over that amount go to the team's admins and approvers by email, and any one of them can approve or deny it from the email or the dashboard. A request nobody decides within an hour is denied automatically, and the agent can ask again. Every request, decision, and card draw is in the team's purchase history, which you can export as CSV.
Purchases are paid from the team's card, and you bill your customers the way you do today. Team Starter is $39.99 a month for up to 100 transactions and Team Pro is $174.99 a month for up to 500, with $0.40 for each transaction past either plan. A new team gets 20 free transactions. How to set spending limits for an AI agent goes through each rule type.
The fastest way to see an agent-paid order from the buyer's side is to place one. Create a free Authoryze account, connect an agent, and have it buy something small from your own store. Your first 5 transactions are free.