create_card

Create a single-use virtual card for a purchase. Use guard:true for autonomous purchases (15-min expiry).

SERVERAgentpay SOURCEagentpay-mcp-server

Critical RISK CLASS

Category Financial

Parameters 52 required

Recommended Approval-gatedsee the rule below

Registry record Grade F, identity unverified Pull the record →

This record as markdown: /tools/agentpay/create-card.md

WHAT IT DOES

What create_card does on Agentpay

AI agents use create_card to commit financial operations through Agentpay, usually the final step of a payment, billing, or trading workflow. A call moves real money.

Parameter	Type	Required	Description
`guard`	boolean	—	Spending guard: 15-min expiry, velocity limited
`amount`	number	Yes	Amount in currency units (e.g. 25.00)
`context`	string	—	Why you need this card (shown in approval notification)
`currency`	string	Yes	Currency code (usd, clp, brl, mxn)
`merchant_lock`	string	—	Restrict to this merchant

Parameters from the server's own tool schema.

RISK

Why create_card is rated Critical

This tool creates a virtual payment card for making purchases, directly committing financial resources. Misuse by an AI agent could result in unauthorized financial transactions. The 'autonomous purchases' feature makes this especially high-risk as it enables unsupervised spending.

From the tool's definition Create a single-use virtual card for a purchase... autonomous purchases (15-min expiry)

Attacks that exploit this kind of access

RECOMMENDED RULE

The rule that runs create_card safely

PolicyLayer is an MCP gateway: it sits between your AI agents and Agentpay, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For create_card, this is the rule to start with:

create_card Approval-gated

Any call to create_card is blocked until a human approves it. The rest of the server keeps working.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "create_card": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

GATE THIS TOOL → Instant setup, no code required.

The button opens the PolicyLayer dashboard: create your workspace, connect Agentpay, apply this rule, and every create_card call is checked against it from then on.

FAQ

Questions about create_card

What does the create_card tool do? +

Create a single-use virtual card for a purchase. Use guard:true for autonomous purchases (15-min expiry). It is categorised as a Financial tool in the Agentpay MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

What parameters does create_card accept? +

create_card accepts 5 parameters: guard, amount, context, currency, merchant_lock. Required: amount, currency. The full parameter table on this page comes from the server's own tool schema.

How do I enforce a policy on create_card? +

Register the Agentpay MCP server in PolicyLayer and add a rule for create_card: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Agentpay. Nothing to install.

What risk level is create_card? +

create_card is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.

Can I rate-limit create_card? +

Yes. Add a rate_limit block to the create_card rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block create_card completely? +

Set action: deny in the PolicyLayer policy for create_card. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides create_card? +

create_card is provided by the Agentpay MCP server (agentpay-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

KEEP EXPLORING

More on Agentpay, and thousands of servers like it.

This server

All 17 Agentpay tools → Critical-risk tools on this server →

Across the catalogue

request_virtual_card on Pop Pay →fundos_create_capital_call on Fundos →create_payment on Shopmonkey MCP Server →create_agent on Conviction → All critical-risk MCP tools → The MCP Attack Database →

Guides

Govern MCP payment tools →Human-in-the-loop →Tool call approval →