Agent Pay: Payments for AI Agents

npm install @atoapayments/agent-pay        # Node 22+

pip install atoa-agent-pay         # Python 3.10+

import atoa_agent_pay

private_key_pem, _ = atoa_agent_pay.generate_es256_keypair()
# api_key is read from ATOA_API_KEY; the public key is derived from private_key_pem.
atoa = atoa_agent_pay.init(environment="sandbox", private_key_pem=private_key_pem)

atoa.agent.register(name="Bookings assistant")   # registers the derived public key

import { createAgentPayClient, generateEs256KeyPair } from "@atoapayments/agent-pay";

const { privateKeyPem } = generateEs256KeyPair();
// apiKey is read from ATOA_API_KEY; the public key is derived from privateKeyPem.
const atoa = createAgentPayClient({ environment: "sandbox", privateKeyPem });

await atoa.agent.register({ name: "Bookings assistant" });   // registers the derived public key

req = atoa.payment.collect(
    amount={"amount": 45.00},    # decimal major units; GBP by default
    order_id="booking-8812",     # your own reference
)

print(req.payment_url)           # open this and choose an outcome

settled = atoa.payment.await_settled(req.payment_request_id)
print(settled.status)            # COMPLETED

const req = await atoa.payment.collect({
  amount: { amount: 45.00 },     // decimal major units; GBP by default
  orderId: "booking-8812",       // your own reference
});

console.log(req.paymentUrl);     // open this and choose an outcome

const settled = await atoa.payment.awaitSettled(req.paymentRequestId);
console.log(settled.status);     // COMPLETED

contract = atoa.contract.create(
    type="SEND",
    name="Supplier payouts",
    limits={
        "max_per_payment": 500.00,
        "period_limits": [{"amount": 2000.00, "period": "MONTH"}],
        "valid_to": "2026-12-31T23:59:59Z",
    },
)

print(contract.authorization_url)               # the account owner approves here
atoa.contract.await_active(contract.contract_id)

result = atoa.payment.send(
    contract_id=contract.contract_id,
    payments=[{
        "amount": {"amount": 250.00},
        "beneficiary": {"name": "ACME LTD", "sortCode": "040004", "accountNumber": "12345678"},  # sandbox: settles COMPLETED
        "orderId": "payout-3001",
    }],
)

print(result.next_action.approval_url)          # the owner approves the payout here — in sandbox, open it yourself
atoa.payment.await_decision(result.next_action.approval_id)   # APPROVED → the payment executes

print(result[0].status)                         # COMPLETED

const contract = await atoa.contract.create({
  type: "SEND",
  name: "Supplier payouts",
  limits: {
    maxPerPayment: 500.00,
    periodLimits: [{ amount: 2000.00, period: "MONTH" }],
    validTo: "2026-12-31T23:59:59Z",
  },
});

console.log(contract.authorizationUrl);         // the account owner approves here
await atoa.contract.awaitActive(contract.contractId);

const result = await atoa.payment.send({
  contractId: contract.contractId,
  payments: [{
    amount: { amount: 250.00 },
    beneficiary: { name: "ACME LTD", sortCode: "040004", accountNumber: "12345678" }, // sandbox: settles COMPLETED
    orderId: "payout-3001",
  }],
});

console.log(result.nextAction.approvalUrl);     // the owner approves the payout here — in sandbox, open it yourself
await atoa.payment.awaitDecision(result.nextAction.approvalId);   // APPROVED → the payment executes

console.log(result[0].status);                  // COMPLETED