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Enroll a Visa or Stripe card. Set spending limits. Your agents charge it directly via x402, no checkout pages, no human in the loop. Manage everything at pay.nevermined.app.

Card Enrollment

Enroll Visa or Stripe cards

Mandates & Delegations

Set spending limits and expiration

Mandate Selection

Auto-resolve which card to charge

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How It Works

1

Enroll a card

Add a Visa or Stripe card at pay.nevermined.app. Card data is tokenized by the provider. NVM Pay never stores raw card numbers.
2

Set spending limits

Create a mandate (Visa) or delegation (Stripe): max amount, max transactions, expiration. Optionally link it to a specific API key.
3

Agents charge it

Agents call the NVM Pay API with their API key. NVM Pay resolves the right authorization and generates an x402 token. The resource server verifies, executes, and settles.

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Payment Flow

Agent (no token)
  |
  |-> Resource Server returns 402 + payment-required header
  |
  |-> Agent calls NVM Pay: POST /access-token/from-nvm-key
  |     |-> Resolves mandate/delegation -> generates x402 token
  |
  |-> Agent retries with payment-signature header
  |
  |-> Resource Server:
        |-> POST /verify -> validates token, authorization, usage
        |-> Executes workload
        |-> POST /settle -> charges card, returns payment-response

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Visa vs Stripe

Both paths give you the same spending controls and API key linking.

Visa

Tokenized via Visa Token Service (VTS). Passkey (FIDO2) authentication. Settlement through Visa credentials charged via Stripe.

Stripe

Captured via Stripe Elements. No passkeys required. Settlement via Stripe PaymentIntents directly.

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Key Concepts

ConceptDescription
Mandate / DelegationA scoped spending authorization on a card. Defines amount ceiling, max transactions, and expiration.
Spending CeilingPer-card cumulative limit across all active authorizations (default $10.00).
API Key LinkingLink a mandate to a specific API key so agents automatically use the right one.
x402 TokenPayment token used in the payment-signature HTTP header.

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Environments

  • Sandbox - Testing and development. Stripe test mode.
  • Live - Production. Real payments through Visa and Stripe.
You need an NVM API Key. Set it as NVM_API_KEY.

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What’s Next?

Enroll a Card

Set up your first payment card

Set Spending Limits

Create a mandate or delegation