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NVM Pay

How agents pay with your real card, within limits you control.
NVM Pay lets users enroll a Visa or Stripe card, set spending limits, and let agents charge it directly via x402. No checkout pages, no human in the loop. Manage everything at pay.nevermined.app.
NVM Pay uses your real credit or debit card, not a separate prepaid balance. At enrollment, the card number is tokenized by a PCI-compliant vault. Nevermined never sees or stores the raw card number. What the agent receives is a scoped credential that encodes identity, spending limits, and merchant restrictions. The charge appears on your normal statement.
Only within the limits you set. When you create a mandate, you define an amount ceiling, maximum number of transactions, and expiration date. A per-card spending ceiling applies across all active mandates. The agent can only charge within these bounds, and you can cancel a mandate at any time.
The transaction is rejected instantly before it reaches the payment processor. Mandates are enforced server-side on every request. The agent receives a 402 error explaining which limit was hit (amount cap, transaction count, or time window).
One click in the dashboard or one API call. Revocation is immediate: no grace period, no cached tokens. The agent loses payment capability the instant you revoke.
No. NVM Pay works with regular Visa and Stripe cards. All payments are settled via card rails. No wallet or stablecoins required.
Three ways, from simplest to most explicit:
  1. Automatic — If you have exactly one active mandate, it’s selected automatically.
  2. Key-linked — Link a specific mandate to a specific API key. The system always routes that key to its linked mandate.
  3. Explicit ID — Pass the mandate ID directly in the request for full control.
See Mandate Selection for details.
During the pilot, each enrolled card has a $10.00 cumulative ceiling across all active mandates. Contact the Nevermined team to request increased limits.
From the agent’s perspective, nothing changes — same x402 payment header either way. The difference is settlement:
  • Stripe — Card tokenized by Stripe, payment settles through Stripe’s network.
  • Visa — Card tokenized by Visa Token Service (VTS), each payment generates a one-time VIC cryptogram that settles through standard Visa acquiring rails.
Stripe supports most Visa, Mastercard, Amex, and Discover cards. For the Visa path, virtual cards can currently be issued for Visa cards from a limited number of US issuers (excluding Chase, Citi). Most corporate and prepaid cards are not eligible for the Visa path.
Card data is captured via a PCI-compliant vault (VGS) and tokenized before entering our system. Nevermined holds ISO 27001 and SOC 2 Type II certifications and operates at PCI SAQ-D level. Authentication uses FIDO2 passkeys or 3DS at enrollment. Every transaction is logged for full auditability.

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Stripe Connect

Nevermined uses Stripe Connect to route fiat payments directly to your Stripe account. You need to connect a Stripe account before you can receive credit card payments from your users.
Stripe Connect is for builders receiving fiat payouts. You connect your Stripe account so Nevermined can route revenue to you.NVM Pay is for users who want agents to pay with their card. The user enrolls a card, creates a spending mandate, and agents charge against it via x402.They serve different sides of the transaction: Stripe Connect handles payouts to builders, NVM Pay handles card-based payments from users.
1

Go to your User Profile

Open the Nevermined App and navigate to Settings > User Profile. Scroll down to the Stripe section.
2

Click Connect Stripe

Click the Connect Stripe button. This opens Stripe’s onboarding flow where you’ll set up or link your Stripe account.
3

Skip phone verification (sandbox)

In the sandbox environment, you’ll see a banner saying “You’re using a test account with test data.” Click Use test phone number to skip SMS verification.Stripe Connect phone verification step
4

Skip SMS verification (sandbox)

Click Use test code to auto-fill the test code 000000 and continue.Stripe Connect test code step
5

Select business type (sandbox)

Select Individual from the business type dropdown and click Continue.Stripe Connect business type step
6

Fill in personal details (sandbox)

Use these test values:
FieldTest value
Legal first nameSarah
Legal last nameMitchell
Date of birth15 / 03 / 1990
Address350 Fifth Avenue
CityNew York
StateNew York
Zip code10118
Last 4 SSN0000
Use 0000 for the last 4 digits of SSN. Any other value may trigger Stripe’s additional identity verification flow.
Stripe Connect personal details step
7

Add bank details for payouts (sandbox)

Click Use test account to auto-fill the test routing number (110000000) and account number (000123456789), then click Continue.Stripe Connect bank details step
8

Review and submit

Review everything and click Agree and submit. You’ll be redirected back to the Nevermined App and see a “Stripe successfully connected” confirmation.Stripe Connect review and submit step
No. If you don’t have one, Stripe’s onboarding flow will create a new account for you.
No. Only if you want to accept fiat (credit card) payments. Plans that only accept stablecoin or crypto don’t need a Stripe account.
When a user pays with a credit card, Nevermined routes the payment to your connected Stripe account. Fees (Nevermined’s 2% + Stripe’s processing fees) are deducted automatically. Stripe handles the payout schedule to your bank.
Yes. Sandbox transactions use Stripe test cards, so no real money is charged. See the full list of Stripe test values.
Yes. Go to Settings > Stripe Connect in the Nevermined App. Any pending payouts will still be routed to the previously connected account.

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General

Nevermined adds a payment and entitlement layer to any agent API or MCP tool. Each inbound request is validated, metered, and settled in real time. You handle the AI, we handle payments.
x402 is an open HTTP standard for agent payments. When an agent hits a paywall, the server responds with 402 Payment Required. The agent attaches a payment credential in the next request header and the purchase completes in milliseconds. No checkout, no redirect.
Agents autonomously buy, sell, or rent services from each other. Nevermined’s identity, metering, and payment infrastructure makes those machine-to-machine transactions possible.
AI agents fire thousands of micro-tasks and are OpEx heavy. You need per-request metering and real-time settlement. Seat-based pricing and traditional checkout flows can’t keep up.
Stripe handles checkout but doesn’t track sub-cent API calls. Nevermined adds per-request metering and settlement on top, while still letting you settle via Stripe or USDC. Stripe was built for monthly subscriptions and shopping carts. We’re built for millions of micro-transactions between autonomous agents.
Any framework that can make an HTTP request: OpenAI, Anthropic, LangChain, CrewAI, Strands, MCP tool servers, and custom agents. We provide TypeScript and Python SDKs, a CLI, and an MCP server.
Usage-based bills per API call or compute cycle. Outcome-based charges only when your agent delivers a result (lead booked, bug fixed, etc.). Nevermined supports either model, or a hybrid, out of the box.
No. Agents pay on real card rails (Visa, Mastercard). If a merchant accepts cards today, they already accept agent payments. No new SDK, no new settlement flow.
Contact the Nevermined team to schedule a merchant onboarding call. Once enrolled, your business can accept payments from AI agents via x402 with no changes to your existing payment infrastructure.