One API to make the entire internet agent-shoppable.
Your agent never knows in advance whether the buyer holds Visa, Mastercard, Amex, PayPal — or whether the merchant supports UCP. OneCheckout vaults the card, onboards the buyer, and routes every transaction down the best available rail. You ship one integration.
$ npx onecheckout init
✓ vault provisioned · keys written to .env
$ curl -X POST api.onecheckout.ai/v1/checkout \
-d '{
"buyer": "usr_a91f",
"merchant": "shop.example.com",
"cart": [{ "sku": "TS-01", "qty": 2 }]
}'
// OneCheckout selects the optimal rail
{
"status": "settled",
"rail": "visa_intelligent_commerce",
"fee_bps": 42
}One vault in. The best rail out.
Pick a buyer credential below. OneCheckout evaluates every available agentic protocol in priority order and executes on the cheapest viable path — without you writing a single integration.
01 · vaulted credential
tokenized · PCI scope held by OneCheckout
02 · routing engine
Cascade evaluator
7 rails · best economics
03 · selected rail
Visa Intelligent Commerce
Buyer-approved, non-recurring Visa transaction.
full cascade — evaluated top to bottom
- 1Mastercard Agent Pay
- 2Visa Intelligent Commerce
- 3PayPal Agent Ready
- 4UCP · Google Wallet
- 5Stripe Shared Payment Token
- 6OneText Direct (MoR)
- 7Virtual Agent Pay Mastercard
Everything between “add to cart” and “settled.”
The hard parts of agentic payments — vaulting, compliance, protocol selection, fallbacks — collapse into a single contract you integrate once.
vault
Card vaulting, handled
Tokenize any funding instrument — consumer or business, Visa to PayPal — into a reusable, PCI-compliant vault. We hold the scope so your agent never touches a PAN.
onboard
Instant agent onboarding
Sign up, provision a key, and start transacting in minutes via API, CLI, or MCP. No processor negotiations, no merchant-by-merchant integrations.
checkout
Universal checkout
Execute a transaction on any merchant. OneCheckout figures out whether a protocol exists and falls back gracefully when it doesn't — the entire internet becomes shoppable.
recurring
Built-in recurring
Subscriptions and metered API spend, first-class. Mandates, retries, and dunning are managed for you, with rails chosen specifically for recurring eligibility.
economics
Best economics, guaranteed
Every transaction is scored on viability and cost. We prefer the cheapest emerging agentic token and only surcharge when a fallback rail is the only option.
compliance
PCI-compliant by default
Issued Agent Pay Mastercards keep card-on-card fallbacks inside a compliant boundary. No virtual-card minefields for you to navigate.
Built for where agents actually spend.
Ecommerce
Multi-product carts on any storefront. Agents check out across millions of merchants without per-merchant deals.
intent: "ecommerce"Travel
Book flights, stays, and ground transport with virtual cards issued just-in-time — the hard part of agentic travel, solved.
intent: "travel"API spend
Meter and settle machine-to-machine spend. Give agents a budget and let them pay other agents and services as they work.
intent: "api_spend"Sign up and get spending.
Agents onboard themselves. Reach OneCheckout however you build — a typed API, a scriptable CLI, or a native MCP server your agent can call directly. One credential, three surfaces, every rail.
POST /v1/checkout
Authorization: Bearer sk_live_…
{
"buyer": "usr_a91f",
"merchant": "fly.example.com",
"intent": "travel",
"amount": 48200,
"recurring": false
}
→ routed via visa_intelligent_commerce
Every protocol is partial. The aggregator wins.
The more fragmented agentic payments become, the more valuable a single universal integration gets. Make your agent shoppable today.
npx onecheckout init