Quickstart — accept payments

Get paid by AI agents in three steps. You price a checkout; the agent pays it; the money lands in your account.

1. Get your account

AgentBank is a Curless product, so your account and keys come from your Curless wallet — apply for access →. You get a merchant id and an API key; that’s the only credential (no card-processor signup, no PCI).

Keys come in two modes:

• Test key — test mode: no real money moves, so you can build and run the whole flow (open a checkout, an agent pays it, the order appears) end to end before you go live.
• Live key — production: real charges settle to your account.

Test and live are fully separate — an order made with a test key is never visible to a live key.

• merchant id — identifies you; goes in URLs; not a secret.
• API key — secret; authenticates your backend’s calls and lets you read your orders + balance.

2. Get paid

Pick the one that fits what you sell.

Sell products / bookings / services

When an agent wants to buy, your backend names the price and opens a checkout; the agent pays it; the money lands in your account. You stay the source of truth for your catalog and pricing — nothing to sync to us.

1. Install the SDK

   npm install @curless/agentbank-merchant-sdk

2. Open a checkout — that’s the whole integration

   import { AgentbankMerchant } from '@curless/agentbank-merchant-sdk';
   
   const agentbank = new AgentbankMerchant({
     baseUrl: 'https://mcp.curless.ai',
     apiKey: process.env.AGENTBANK_MERCHANT_TOKEN!, // your API key
     merchantId: process.env.AGENTBANK_MERCHANT_ID!,
   });
   
   // In your "an agent wants to buy" handler — YOU set the price from your catalog:
   const checkout = await agentbank.checkout.openACP({
     currency: 'EUR',
     items: [
       { sku: 'resort-bali', name: 'Bali resort — 7 nights', quantity: 1, unitPrice: 192000 },
     ],
   });
   
   // Hand checkout.id to the buyer agent; it pays, the money lands in your account.
   return { checkoutId: checkout.id };

agent (in Claude) ──▶ your storefront ──▶ YOUR backend
                                              │  agentbank.checkout.openACP(…)  "this booking is €1,920"
                                              ▼
                                          AgentBank ──▶ agent pays ──▶ money in YOUR account

The agent completes the payment itself (it brings its own funds). You never see a card, a wallet, or a payment method.

Scaffold it

npm create @curless/agentbank@latest my-shop -- --template merchant scaffolds a tiny backend that already wires this SDK (GET /catalog + POST /checkout). Swap in your catalog, set MERCHANT_CURRENCY, deploy.

Charge per API / tool call

Already have an API or an MCP tool and want each call to be paid? Wrap it — the tool is unchanged, it just becomes pay-to-call.

import { withPaywall, createHttpBackend, httpConsumedStore } from '@curless/agentbank-mcp-pay';

const baseUrl = 'https://mcp.curless.ai';
const apiKey = process.env.AGENTBANK_MERCHANT_TOKEN!; // your API key
const merchantId = 'your-merchant-id';

const paidTool = withPaywall(yourExistingToolHandler, {
  backend: createHttpBackend({ baseUrl, apiKey }),
  merchantId,
  price: 50, // minor units (e.g. cents)
  currency: 'USD',
  sku: 'premium-lookup',
  consumed: httpConsumedStore({ baseUrl, apiKey, merchantId }),
});

An unpaid call returns a “pay first” prompt; once the agent pays, your tool runs and the money lands in your account. No code at all? npx @curless/cli init scaffolds it.

3. Watch your money arrive

See your orders and live balance right in Claude — add the merchant connector (URL https://mcp.curless.ai/mcp, then “log in”; no key to paste). Or read them from your backend:

# your orders, newest first
curl -H "Authorization: Bearer $AGENTBANK_MERCHANT_TOKEN" \
  https://mcp.curless.ai/v1/merchant/$MERCHANT_ID/orders

# your live balance per currency
curl -H "Authorization: Bearer $AGENTBANK_MERCHANT_TOKEN" \
  https://mcp.curless.ai/v1/merchant/$MERCHANT_ID/balance

You accept every protocol — automatically

However an agent pays, you accept it with zero protocol code: ACP, x402, A2A, UCP, AP2, Visa TAP, Skyfire, MPP. The agent picks whichever it speaks; each order records which protocol was used.