Give your AI Agents real credit cards

I built PayGraph, an open-source Python SDK and CLI that sits between AI agents and payment rails.

Every payment tool call runs through a policy (daily budgets, transactions cap, vendor allowlist) making autonomous payments safe for AI agents.

I built it because I kept writing the same wrapper around payment tools in every agent I shipped.

It worlds with x402, Stripe issuing and Stripe shared payment tokens and integrates with LangGraph and CrewAI. There is a mock gateway so you can try it without spending real money.

• pip install paygraph

Its early (first commit wasn’t even one month ago) and I’m unsure about the following (would appreciate your take in the comments):

• Two concurrent requests can both pass the check before either commits, and nothing stops you from going over. Which becomes a serious problem for multi-agents fleet. Not sure if i should move the budget into a shared ledger with CAS, or if there’s a lighter primitive I’m missing.

• If the LLM retries mint_virtual_card with the same argos (which happens when the harness loses response) the gateway mints a second card. I haven’t added a dedup key because I can’t decide where it should live: the agent framework, the wallet or the gateway? Each of these has its own tradeoffs