> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sapiom.ai/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Sapiom Pay is for platforms whose agent shops for many end users. Each end user is a buyer with their own Sapiom key and saved cards.
> Use the buyer's key for every call made on that buyer's behalf. Never use one buyer's key for another user, and never give the agent the platform key.
> Agents call the hosted MCP tools at https://api.sapiom.ai/v1/mcp. Backends call the REST API at https://api.sapiom.ai/v1. Both take the key in an x-api-key header.
> Never ask a buyer for a card number, expiry date or CVV in chat. Buyers enter card details only on Sapiom's hosted pages.
> Follow the nextAction in each transaction result. Action links are secrets for the intended buyer only.
> Use one idempotencyKey per transaction. After a timeout, retry with the same key. Never start a new transaction to escape an uncertain outcome.
> Report an order as placed only when order.outcome is confirmed. If it is unknown, stop and hand off to a person.

# Issue cards

> Early access: card issuing for agent platforms, with transaction-specific virtual cards, approval controls and payment updates.

> **Early access**
>
> Card issuing is in early access. Request access to build with us.
>
> Request access
>
> <dialog aria-labelledby="issuing-access-title" aria-describedby="issuing-access-description">
>   ×
>
>   ## Build with .
>
>   Tell us a little about your product. We’ll help you find the right starting point.
> </dialog>

Let your users ask your agents to buy from supported online retailers. Sapiom will create a virtual card for each approved transaction and manage payment without sharing usable card details with your platform or agents.

Your platform will be able to:

* Apply merchant, amount and time limits to each transaction.
* Complete supported browser checkouts.
* Receive payment and refund updates tied to your customers and orders.

## 1. Submit the order

Send the retailer, cart and final total, along with your customer, agent and checkout references. Sapiom checks your configured rules and obtains the customer's approval for the order and any disclosed fees.

## 2. Complete payment

Sapiom authorizes the customer's payment method and pays the retailer with a virtual card it funds. Each authorization is checked against the approved merchant, amount and transaction window.

## 3. Follow the payment

Use webhooks to track authorizations, settlement and refunds against your customer and order references. Sapiom handles returning refunds to the customer's original payment method.


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