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Both support OAuth, so no API key is needed. In Claude.ai or Claude Desktop, go to Customize → Connectors → Add custom connector and enter the Authoryze MCP URL. In ChatGPT, go to Settings → Apps → Create App and enter the same URL. You'll complete a sign-in flow the first time the assistant calls a tool. Full steps are in the docs.
Open the agent's detail page from Agents in the dashboard. You can set an auto-approve threshold, per-transaction limits, daily/weekly/monthly caps, and a merchant allowlist (subdomains are matched automatically, so allowing amazon.com also allows aws.amazon.com). You can also set aggregate caps across all your agents combined in Settings.
Every purchase request is checked against your rules before a card is issued. A decline means the request violated something you configured: it exceeded a per-transaction or time-window limit, the merchant wasn't on the agent's allowlist, or it pushed past a user-level aggregate cap. The exact reason is shown on the request in your transactions list. Rules are enforced server-side, so an agent can't talk its way around them.
Go to Settings → Connected clients to see every AI assistant you've authorized over OAuth. Revoking takes effect on that client's next request.
Card issuance is US-only today. Both the primary and secondary rails issue cards backed by US-based funding sources.