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The future of payments

Just say it.
Your agent pays.

The next shopper won't be a person tapping a card. It will be an AI agent acting for them: finding the product, comparing every offer and paying in seconds. Accept² is building the payment foundation that lets agents spend the balances people already have, safely and on their terms.

See how it works Try the agentic demo

An illustrative conversation. The shopper asks their voice assistant for white Nike Air Force 1 sneakers, size 43, under 120 dollars, by Friday. The agent searches 38 stores, finds the best deal at 112 dollars 90 from Stride Supply, pays through Accept² from the shopper's Bit and PayBox balances and card, and the shopper approves with Face ID.

Why not just build an agent?

Anyone can build an agent.
Letting it pay is different.

With a model like Claude, a developer can build an agent that finds the right sneakers in an afternoon. Paying for them is where it stops: the agent can't open your wallets, the bank doesn't know it, and nothing holds it to your limits.

An agent on its own

  • Finds and compares products
  • Can't reach Bit, PayBox or PayPal balances
  • Has no credential the bank will trust
  • No spending limits it can't ignore
  • No card protection if something goes wrong

With accept²

  • Pays from every balance through the card you already have
  • A one-time credential the issuer recognises and controls
  • Your limits enforced inside the payment itself
  • Card protections and chargebacks, as usual
  • An API and MCP connector any AI agent can plug into

The agent is the easy part. accept² is the part that lets it pay.

Agentic payments

From a sentence to a settled payment

Five steps, a few seconds, and nothing to fill in. The shopper states the goal; the agent does the legwork; Accept² makes the payment safe to hand over.

  1. 01

    Ask

    Speak naturally to Siri or any assistant: what you want, your budget, when you need it.

  2. 02

    Understand

    Your words become precise attributes: product, brand, colour, size, price ceiling and delivery date.

  3. 03

    Search

    The agent scans stores and marketplaces in parallel: live prices, stock, shipping, returns and reviews.

  4. 04

    Decide

    Every offer is ranked on the total deal, not just the lowest sticker price, and on what you liked before.

  5. 05

    Pay

    Accept² funds it from your wallet balances and card, under your rules, with a credential made for this one purchase. You approve with a glance.

The shopping brief

Everything your agent weighs, in one breath

Cost, product, colour and brand are where it starts. A good agent also knows the details people forget to say, and the one question no store can answer: which of your balances should pay.

  • CostTotal price with shipping, fees and coupons
  • ProductExact model, specs and condition
  • ColourThe shade you asked for, not a close one
  • BrandOfficial stores and authorised sellers
  • Size & fitYour sizes, remembered
  • DeliveryArrives when you need it
  • Seller trustRatings, history and fraud signals
  • ReturnsPolicy and window, checked first
  • RewardsPoints, cashback and loyalty prices
  • StockIn stock now, not back-ordered
  • FundingWhich wallet pays, by your rules: accept²

Why agents need Accept²

Agents can find anything. Paying safely is the hard part.

An agent that can shop needs a way to pay that is trusted by banks, accepted everywhere, limited by the person it works for and able to reach all of their money. That is the layer Accept² is building.

Every balance, one credential

Agents already know how to pay with cards. Accept² lets that card draw on Bit, PayBox, PayPal and more, so an agent can spend money that today is stuck inside wallets.

Agent-scoped credentials

Each task gets a tokenised credential locked to the merchant, the amount and a time window. If it leaks, it is useless anywhere else.

Your rules, at the moment of payment

Budgets, categories, trusted stores and “ask me above $100” are checked inside the authorisation, not discovered on a statement later.

Smart funding

Your wallet order, or accept² AI, decides which balances pay for each purchase and splits it when one is not enough.

Consent you can see

Biometric approval, instant notifications and a clear record of what the agent bought, where, and why it chose that offer.

The issuer stays in charge

It all runs on card rails. Authorisation, disputes and chargeback rights stay with the issuer, so an agent's purchase is protected like any other.

For every agent

Plug any agent in.
An API or an MCP connector.

accept² will offer a payments API and an MCP connector, so any AI agent, built on Claude, ChatGPT, Gemini or your own stack, can ask for permission, pay and get a receipt in a few lines.

MCP connectorIn development

Add accept² to any agent that speaks the Model Context Protocol. It gets payment tools it can call on its own, always inside your mandate.

// agent configuration (example)
{
  "mcpServers": {
    "accept2": {
      "url": "https://mcp.accept2.example",
      "auth": "oauth"
    }
  }
}
  • check_mandateWhat may I spend, where?
  • funding_optionsWhich balances can pay?
  • payPay the merchant
  • get_receiptProof for the shopper
Payments APIIn development

For platforms that call payments directly: one request, and accept² funds it from the shopper's balances and card.

// request (example)
POST /v1/agent/payments
{
  "mandate":  "mdt_7Hq2…",
  "merchant": "Stride Supply",
  "amount":   112.90,
  "currency": "USD"
}

// response
{ "status": "approved",
  "funded_by": [ "Bit 60.00", "PayBox 40.00", "card 12.90" ] }

Any agent. Any AI platform. One way to pay.

Agent mandateActive
Agent
Personal shopper
Per purchase
Up to $150
Per month
Up to $400
Categories
Apparel · Electronics · Groceries
Stores
Verified sellers only
Pay from
then card
Ask me first
Above $100
Expires
In 30 days
Revoke anytime in one tapRevoke

Guardrails

You set the mandate. The agent can't step outside it.

Handing an agent your money should feel like giving a trusted assistant a company card with clear limits, not like giving away your wallet.

  • Limits per purchase, per month and per category
  • Only the wallets and stores you allow
  • Confirmation on your phone above the amount you choose
  • Every agent purchase listed, explained and reversible under card rules
  • One tap to pause or revoke

The road there

Each step builds the next

Agentic payments need the same plumbing as smarter everyday payments. We are building it in that order.

  1. Now

    Wallet balances at the card terminal

    Split a purchase across wallets and the card, in store and online.

  2. Next

    Rules and AI funding

    Personal preferences or accept² AI decide which balance pays.

  3. Building

    Agent API and MCP connector

    Any AI agent asks for scoped, revocable permission and pays through accept².

  4. Horizon

    Agent-led commerce

    Assistants that shop, pay and handle returns end to end, with the person always in control.

Illustrative concept. Products, stores and amounts shown are examples. Siri is a trademark of Apple Inc. and Claude is a trademark of Anthropic; Accept² is not affiliated with the brands shown.

Build the agent-ready future with us.

Issuers, wallets and AI platforms: let's design agent payments people can trust.

Book a briefing How it works today