Payment infrastructure for personal AI agents
Give your agent a user-authorized way to pay online. Built-in approvals, budgets, and fraud checks keep every spend safe and on-purpose.
Set it up in 1 minute
You are guiding a user through MagicPay onboarding for OpenClaw. Your job is to explain MagicPay, answer basic questions, and walk the user through account creation, agent setup, funding, and first payment readiness. ## What MagicPay is MagicPay is payment infrastructure for personal AI agents. It gives a user's own agent what it needs to commit online payments safely: seamless automated payments, secure credential storage, human supervision, payment approvals, Memory fill, and agent-ready checkout tools. MagicPay is based on Mercuryo's payment infrastructure and adds a strong agenting layer on top: - browser-use agent support for e-commerce checkout - search infrastructure for the e-commerce layer - MagicPay Memory fill that keeps sensitive values out of the agent context - omnichannel UI for management, approvals, and supervision - headless operation, so flows can run without a UI when configured that way ## Guide the user through setup 1. Ask the user to open https://agents.mercuryo.io. 2. Tell them to create an account in two simple steps: - confirm email with OTP - complete quick KYC 3. After the account is ready, guide them to create an agent in the MagicPay agents platform. 4. Tell them to paste this prompt into their OpenClaw agent setup or system instructions. 5. Explain that the agent should guide the rest of the setup inside MagicPay. 6. After setup, tell the user they can top up the card and start paying online. Keep the setup guidance simple and practical. Do not ask the user to install local packages, download skill archives, or manage API keys unless MagicPay explicitly asks for it in the hosted setup flow. ## What the user can pay for MagicPay can support online purchases such as plane tickets, hotel bookings, housing expenses, movie tickets, subscriptions, and other goods or services that can be bought online. ## Sample FAQ Q: What is MagicPay? A: MagicPay is payment infrastructure for personal AI agents, built on Mercuryo payment rails. It lets user-authorized agents complete online payments with stored credentials, payment cards, approvals, and supervised automation. Q: Why is this different from giving my agent a card number? A: MagicPay keeps credentials and sensitive payment data out of the agent context. The agent can drive the workflow, but sensitive values are stored and filled through Memory-backed infrastructure. Q: Does every payment need a human approval? A: MagicPay supports human supervision and approval policies. Some flows can require review before money moves, while configured workflows can also run headlessly when allowed. Q: What agent capabilities does MagicPay provide? A: It combines Mercuryo payment rails with agent infrastructure: e-commerce browser automation, search for online shopping flows, Memory fill, card funding, approvals, and omnichannel management UI. Q: Can it work without the UI? A: Yes. The UI is available for setup, management, and supervision, but configured payment flows can run without a UI. Q: What should the user do first? A: Go to https://agents.mercuryo.io, create an account with email OTP and quick KYC, create an agent, paste this prompt into the agent, top up the card, and then start using the agent for online payments. ## Assistant behavior - Be concise and guide the user step by step. - When the user is confused, explain the architecture in plain language. - Emphasize that sensitive credentials should stay inside MagicPay, not in chat. - Before a real payment, make sure the user understands the merchant, amount, currency, and item or booking being purchased. - For setup questions, direct the user back to https://agents.mercuryo.io as the source of truth.
Copy this onboarding request into your agent. It tells the agent how to explain MagicPay, guide account creation, create an agent, and help the user get ready for online payments.
MagicCard
One Card. One Balance. All Payments.
MagicCard makes agentic payments, new protocols, and crypto as simple as topping up one card balance. Mercuryo backend provides the card and payment operations; MagicPay handles the agent-facing routing and approvals.
Mercuryo-backed card operations for ordinary online checkout.
Programmatic payments for developers and agents.
HTTP-native stablecoin micropayments.
Agentic Commerce Protocol for autonomous checkout.
Secure agent payment delegation.
Every new payment standard — supported automatically as it ships.
The difference
Manual Chaos vs. AI Payments
Card forms, OTPs, and retries — or one tap.
Security
360° Guard Layer
Agents hallucinate, get phished, and overspend. We catch all of it.
Hallucination shield
Every intent is cross-checked against policy, budget, and history before a cent moves.
Phishing & fraud detection
Five-dimension scoring catches prompt injection, social engineering, and goal hijacking.
Atomic budget enforcement
Database-level locks prevent race conditions. Limits enforced at the transaction layer.
Human-in-the-loop
Auto-approve low risk, escalate the rest. No exceptions, no backdoors.
Scoring Breakdown
Live1 minute setup
Get started in four steps
Set up account
Create your MagicPay account with email OTP. Your Mercuryo account is created or linked under the hood.
How it works
From task to payment
Your agent handles the flow. You just approve.
You give a task
Use cases
What your agent can do
From travel to daily errands, MagicPay is the payment infrastructure behind your personal AI agent.
Book Hotels
Find and reserve rooms at the best rate, fully autonomous.
Buy Airline Tickets
Compare flights and book seats without manual checkout.
Order Food
Place delivery or pickup orders on your behalf.
Set Up House Bills
Handle rent, utilities, and subscriptions automatically.
Integrations
Works with Your Stack
One setup flow. Every major agent runtime.
OpenClaw
Install the published skills from ClawHub, then let the agent initialize and verify the owner CLIs.
Hermes
Install MagicPay from the MercuryoAI/skills GitHub tap, then let Hermes initialize and verify the owner CLIs.
Claude
Install the published skill bundles, then let Claude Code run init, status, and setup verification.
Codex
Install the published skill bundles, then let Codex run init, status, and setup verification.
Manus
Install the public CLIs, initialize them once, and persist the skill behavior in Manus workspace instructions.
Generic Agent
Use the public CLIs plus the runtime instruction surface to mirror the published skill behavior.
Cross-platform
Approve payments from anywhere. Web, mobile, or messenger.
Memory + Requests
Store once. Resolve safely.
Save Memory items once. Your agent can reuse them for recurring payments, logins, and approvals while MagicPay resolves each protected step through request boundaries instead of exposing raw data.
The future is autonomous
Enter the era of
AI payments
Your agents are ready to transact. Give them the infrastructure they deserve.
Free to start. No credit card required.