# pay_checkout

Create a virtual card AND fill the checkout form in one call. The card number is sent directly to the browser extension — you never see it. Call detect_checkout first to verify a form is present. After this, tell the user to review and click the submit button.

Agent View of the PolicyLayer registry record for `pay_checkout`. HTML page: https://policylayer.com/tools/agentpay/pay-checkout

## Facts

- Tool: `pay_checkout`
- Server: Agentpay (`agentpay-mcp-server`) — https://policylayer.com/tools/agentpay.md
- Install: `npx -y agentpay-mcp-server`
- Homepage: git+https://github.com/sagebhardt/agentpay.git
- Risk category: Financial (Critical risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 3 (1 required)
- Recommended policy verdict: Approval-gated

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `amount` | number | yes | Amount to fund the card (e.g. 29.00) |
| `context` | string | no | Why you need this card (shown in approval notification) |
| `currency` | string | no | Currency code (default: usd) |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "pay_checkout",
    "arguments": {
      "amount": 0
    }
  }
}
```

## Why pay_checkout is rated Critical

This tool directly facilitates financial transactions by creating virtual payment cards and autonomously filling checkout forms, which constitutes a commitment of financial obligation. The automated checkout form completion represents a critical financial action that could result in unauthorized charges or commitments if misused by an AI agent.

From the tool's own definition: "Tool description explicitly states it 'Create a virtual card AND fill the checkout form' and mentions 'The card number is sent directly to the browser extension', indicating this tool commits financial transactions by creating payment cards and automatically…"

## Use case

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

## Recommended policy (PolicyLayer)

Verdict: **Approval-gated**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Agentpay:

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

## Other tools on Agentpay (16)

- `close_card` — Destructive — https://policylayer.com/tools/agentpay/close-card.md
- `revoke_api_key` — Destructive — https://policylayer.com/tools/agentpay/revoke-api-key.md
- `fill_card` — Execute — https://policylayer.com/tools/agentpay/fill-card.md
- `create_card` — Financial — https://policylayer.com/tools/agentpay/create-card.md
- `pay_merchant_clp` — Financial — https://policylayer.com/tools/agentpay/pay-merchant-clp.md
- `pay_person_clp` — Financial — https://policylayer.com/tools/agentpay/pay-person-clp.md
- `check_account` — Read — https://policylayer.com/tools/agentpay/check-account.md
- `check_balance` — Read — https://policylayer.com/tools/agentpay/check-balance.md
- `detect_checkout` — Read — https://policylayer.com/tools/agentpay/detect-checkout.md
- `get_card_details` — Read — https://policylayer.com/tools/agentpay/get-card-details.md
- `list_api_keys` — Read — https://policylayer.com/tools/agentpay/list-api-keys.md
- `list_recipients` — Read — https://policylayer.com/tools/agentpay/list-recipients.md
- `list_transactions` — Read — https://policylayer.com/tools/agentpay/list-transactions.md
- `agentpay_signup` — Write — https://policylayer.com/tools/agentpay/agentpay-signup.md
- `create_api_key` — Write — https://policylayer.com/tools/agentpay/create-api-key.md
- `save_recipient` — Write — https://policylayer.com/tools/agentpay/save-recipient.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=agentpay · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/agentpay