When to Use Fiat Payments
Enterprise Adoption
Organizations that already pay for SaaS with corporate cards can onboard without touching crypto.
Mainstream Users
No wallet setup, no token bridging. Users pay with the card in their pocket.
Regulatory Compliance
Fiat-denominated billing simplifies accounting, invoicing, and compliance for businesses.
Instant Onboarding
Users go from discovery to first API call in seconds. No wallet funding step required.
Fiat Payment Scenarios
Nevermined supports fiat payments in two scenarios:- Human-to-Agent: A user visits the Nevermined App checkout page and purchases a plan with their credit card. This is the simplest flow for onboarding new customers.
- Agent-to-Agent: An agent owner enrolls a credit card via Nevermined Pay (Visa or Stripe) and creates a spending mandate or delegation. The agent can then make autonomous payments on behalf of the owner, charging the card per request within the defined limits.
Pay-per-request or a bundle of credits
Nevermined offers two distinct fiat payment flows depending on whether you want upfront plan purchases or per-request charging.Plan Purchase
One-time or recurring payment via Stripe Checkout. The user buys a plan, a webhook confirms the payment, and credits are minted on-chain. Best for human users who want a familiar checkout experience.
Card Delegation via Nevermined Pay
Per-request charging via the x402 protocol. The user enrolls a Visa or Stripe card, creates a spending mandate or delegation with limits, and the agent charges it for each request. Best for automated workflows and agent-to-agent payments.
Human-to-Agent Purchase Flow
The simplest way to accept fiat. Users complete a standard Stripe Checkout session, and Nevermined handles the rest.Select a plan
The user browses available plans in the Nevermined App or your custom UI and selects one priced in fiat.
Redirect to Stripe Checkout
Nevermined creates a Stripe Checkout session and redirects the user to complete payment with their card.
Payment completes
Stripe processes the charge. For recurring plans, Stripe manages subsequent billing automatically.
Webhook confirms payment
Nevermined receives a webhook from Stripe confirming the successful payment.
Agent-to-Agent Purchase Flow (Nevermined Pay)
Fully autonomous agent-to-agent payments in fiat are enabled through Nevermined Pay. This allows an agent to charge a user’s card on-demand, without the user needing to pre-purchase credits. Instead of buying credits upfront, the user enrolls a card and creates a spending mandate or delegation with defined limits. NVM Pay supports two card enrollment providers:- Visa - Cards tokenized via Visa Token Service (VTS) with passkey (FIDO2) authentication
- Stripe - Cards captured via Stripe Elements with SetupIntent tokenization
Card Enrollment
The user enrolls a card via the Nevermined Pay dashboard. Card data is tokenized by the provider (Visa or Stripe) and NVM Pay never stores raw card numbers. See Card Enrollment for the full flow.
Create a spending authorization
The user creates a mandate (Visa) or delegation (Stripe) that defines spending limits: amount ceiling, max transactions, and expiration. Optionally, they can link it to a specific API key for automatic selection. See Mandates & Delegations.
Agent requests payment
When the agent makes a request, it calls the NVM Pay API with its NVM API key. NVM Pay resolves the right mandate/delegation and generates an x402 payment token.
Card delegation is what enables fiat-based agent-to-agent payments. An agent owner enrolls their card and sets spending limits, and the agent can autonomously pay for services from other agents, all settled in fiat. See the NVM Pay FAQ for common questions.
Permission Model
Mandates and delegations enforce strict spending limits to protect the cardholder. Both Visa mandates and Stripe delegations support the same controls:| Limit | Visa (Mandate) | Stripe (Delegation) |
|---|---|---|
| Spending limit | amount (USD) | spendingLimitCents (cents) |
| Max transactions | maxUsage | maxTransactions |
| Expiration | expiresAt (ISO date) | durationSecs (seconds from creation) |
| State | Meaning |
|---|---|
| Active | Valid and can be used for charges |
| Exhausted | The spending limit or transaction count has been reached |
| Expired | The expiration date has passed |
| Revoked | The cardholder manually revoked it |
Security and PCI Compliance
Card data never reaches Nevermined servers. Depending on the provider:- Visa path - Card data is captured via a PCI-compliant VGS vault and tokenized by Visa Token Service (VTS). Each payment generates a one-time VIC credential.
- Stripe path - Card data goes directly to Stripe via Stripe Elements. Stripe manages secure storage and charging.
Nevermined is PCI compliant (PCI SAQ D level) and holds ISO 27001 and SOC 2 Type II certifications. Strong Customer Authentication (3DS or FIDO2 passkeys) is enforced at enrollment. See the NVM Pay FAQ for full security details.
Revenue Routing with Stripe Connect
When a user pays with a card, Nevermined routes the revenue to the builder’s connected Stripe account using Stripe Connect. Fees are deducted automatically before the payout reaches the builder. This means you receive funds directly in your Stripe account — no manual transfers or reconciliation needed.Fees and Settlement
| Item | Cost |
|---|---|
| Nevermined fee | 2% of the transaction amount |
| Stripe processing fee | Fixed fee + % per transaction (varies by currency/region; see Stripe pricing) |
| Supported currencies | USD, EUR |
| Settlement | Via Stripe PaymentIntents to builder’s connected account |
Supported Plan Types
Credits-Based
Prepaid credits purchased via Stripe Checkout. Credits are minted once payment confirms.
Time-Based
Subscription access for a set duration. Stripe handles recurring billing automatically.
Pay-As-You-Go
Per-request charging via card delegation. No upfront purchase needed.
Recurring
Automatic rebilling at the end of each period. Stripe manages the billing cycle.
Next Steps
Nevermined Pay
Enroll Visa or Stripe cards and create spending mandates for agent payments
Stablecoin Payments
Accept crypto payments with the lowest fees and on-chain transparency
Payment Models
Configure credits, time-based, dynamic, and hybrid plans
Manage Plans
Create and manage payment plans in the Nevermined App