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Card Payments

Conto supports card-based payments for agents that use traditional payment cards (Bring Your Own Card). The card payment flow uses an approve/confirm pattern similar to external wallet payments.

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How It Works

Agent requests card approval  →  Conto evaluates policies  →  Agent charges card  →  Agent confirms
  1. Agent calls POST /api/sdk/cards/approve with the card payment details
  2. Conto evaluates spending policies and returns an approval or denial
  3. If approved, the agent processes the card charge externally
  4. Agent calls POST /api/sdk/cards/{id}/confirm with the transaction reference

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Requesting Card Payment Approval

Before charging a card, request policy approval: 
curl -X POST https://conto.finance/api/sdk/cards/approve \
  -H "Authorization: Bearer $CONTO_SDK_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 99.99,
    "merchantName": "AWS",
    "merchantCategory": "INFRASTRUCTURE",
    "purpose": "EC2 instance charges",
    "cardId": "card_abc123"
  }'
Response (Approved): 
{
  "requestId": "card_req_xyz",
  "status": "APPROVED",
  "amount": 99.99,
  "expiresAt": "2025-06-15T10:05:00Z"
}
Response (Denied): 
{
  "requestId": "card_req_xyz",
  "status": "DENIED",
  "reasons": ["Daily spending limit exceeded"],
  "violations": [
    {
      "type": "DAILY_LIMIT",
      "limit": 500,
      "current": 450,
      "message": "Would exceed daily limit"
    }
  ]
}

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Confirming Card Payment

After the card charge succeeds, confirm it in Conto: 
curl -X POST https://conto.finance/api/sdk/cards/{requestId}/confirm \
  -H "Authorization: Bearer $CONTO_SDK_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "transactionReference": "ch_1234567890",
    "amount": 99.99,
    "status": "COMPLETED"
  }'

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API Reference

EndpointMethodDescription
/api/sdk/cards/approvePOSTRequest card payment approval
/api/sdk/cards/{id}/confirmPOSTConfirm card payment completion

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Policy Integration

Card payments are subject to the same policy rules as stablecoin payments:
  • Spend limits — per-transaction, daily, weekly, monthly caps
  • Time windows — restrict card charges to specific hours
  • Category restrictions — allow or block merchant categories
  • Approval thresholds — require manual approval above certain amounts

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Next Steps

Standard Payments

Stablecoin payment flow

Spend Limits

Configure spending controls