> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nevermined.app/llms.txt
> Use this file to discover all available pages before exploring further.
# FAQ
> Frequently asked questions about Nevermined, card payments, Stripe Connect, and card delegation.
## Card Payments
How agents pay with your real card, within limits you control.
The Nevermined App lets you enroll a Visa, Stripe, or Braintree card, set spending limits, and let agents charge it directly via x402. No checkout pages, no human in the loop. Manage everything at [nevermined.app](https://nevermined.app).
Nevermined 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 delegation that encodes identity, spending limits, and (for Visa) the device that approved it. The charge appears on your normal statement.
Only within the limits you set. When you create a delegation, you define a lifetime spending limit, maximum number of transactions, and duration. A per-card spending ceiling applies across all active delegations. The agent can only charge within these bounds, and you can revoke a delegation at any time. Visa delegations additionally require a one-time WebAuthn/passkey approval bound to those exact limits.
The transaction is rejected instantly before it reaches the payment processor. Delegations are enforced server-side on every verify and settle call. The agent receives a `402` error explaining which limit was hit (spending limit, transaction count, or duration).
One click in the [dashboard](https://nevermined.app) or `DELETE /api/v1/delegation/{delegationId}`. Revocation is immediate: no grace period, no cached tokens. The agent loses payment capability the instant you revoke.
No. Nevermined works with regular Visa, Mastercard, Amex, and Discover cards through Visa, Stripe, or Braintree. 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 delegation, it's selected automatically.
2. **Key-linked** — Link a specific delegation to a specific API key. The system always routes that key to its linked delegation.
3. **Explicit ID** — Pass `delegationId` in `delegationConfig` for full control. **Required for Visa.**
See [Delegation Selection](/docs/products/payments/mandate-selection) for details.
During the pilot, each enrolled card has a \$10.00 cumulative ceiling across all active delegations. 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:
* **Visa** — Card tokenized as a Visa Agentic Token via VGS Credential Management Platform. Each delegation requires a per-delegation WebAuthn/passkey ceremony enforced by Visa VTS. Settlement runs through Stripe Connect.
* **Stripe** — Card tokenized by Stripe, settlement runs through Stripe PaymentIntents.
* **Braintree** — Card vaulted as a Braintree `paymentMethodToken`, settlement runs through `transaction.sale` against the seller's OAuth-connected merchant account.
Stripe and Braintree support most Visa, Mastercard, Amex, and Discover cards. The Visa Agentic Tokens path requires a Visa card whose issuer participates in the Visa Trusted Agent Protocol; the issuer list is expanding through the pilot.
Card data is captured via PCI-compliant vaults (VGS Collect for Visa / Stripe, Braintree Drop-in for Braintree) and tokenized before entering our system. Nevermined holds ISO 27001 and SOC 2 Type II certifications and operates at PCI SAQ-D level. For Visa, Strong Customer Authentication via WebAuthn/passkey (with email OTP fallback) is enforced **per delegation**. Every transaction is logged for full auditability.
## Stripe Connect
Nevermined uses [Stripe Connect](https://stripe.com/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.
**Card delegation** is for *users* who want agents to pay with their card. The user enrolls a card, creates a spending delegation, and agents charge against it via x402.
They serve different sides of the transaction: Stripe Connect handles payouts to builders, card delegation handles card-based payments from users.
Open the [Nevermined App](https://nevermined.app) and navigate to **Settings > User Profile**. Scroll down to the **Stripe** section.
Click the **Connect Stripe** button. This opens Stripe's onboarding flow where you'll set up or link your Stripe account.
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.
Click **Use test code** to auto-fill the test code `000000` and continue.
Select **Individual** from the business type dropdown and click **Continue**.
Use these test values:
| Field | Test value |
| ---------------- | ------------------ |
| Legal first name | `Sarah` |
| Legal last name | `Mitchell` |
| Date of birth | `15 / 03 / 1990` |
| Address | `350 Fifth Avenue` |
| City | `New York` |
| State | `New York` |
| Zip code | `10118` |
| Last 4 SSN | `0000` |
Use `0000` for the last 4 digits of SSN. Any other value may trigger Stripe's additional identity verification flow.
Click **Use test account** to auto-fill the test routing number (`110000000`) and account number (`000123456789`), then click **Continue**.
Review everything and click **Agree and submit**. You'll be redirected back to the Nevermined App and see a "Stripe successfully connected" confirmation.
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](https://stripe.com/docs/testing#international-cards), so no real money is charged. See the [full list of Stripe test values](https://docs.stripe.com/connect/testing?accounts-namespace=v2).
Yes. Go to **Settings > Stripe Connect** in the Nevermined App. Any pending payouts will still be routed to the previously connected account.
## 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.
No. Registering an agent is a **seller** task — it's how you publish a service for others to pay for, which is why that flow asks for protected endpoints and a plan. As a **buyer** you don't register anything, expose endpoints, or create a plan. You need three things: a [Nevermined API key](/docs/getting-started/get-your-api-key) (created once via a one-time sign-in, then stored and reused — an agent can [capture it automatically](/docs/agents-guide/get-api-key)), a payment method with a spending delegation (a funded stablecoin wallet or an enrolled card, plus a capped budget the agent can charge — minting a token requires it), and the plan ID you want to buy. Then mint a token with `getX402AccessToken` and call the agent. See [Buy & Call a Paid Agent](/docs/getting-started/ai-agent-purchase).