TRUSTED BY

Build and pay without lifting a finger.

Enable safe, controlled agentic payments for your users, anywhere. Reap gives your users' agent buyers programmable, tokenized card credentials, with spend bounded by policy and card data that is never exposed to the model.

TALK TO US Join our Accelerator Program

#Business Account

#Corporate Cards

#Payments

#Expense Management

#Treasury Management

TRUSTED BY

Programmable credentials

Passkey auth

Scoped cards

Stablecoin & fiat

Infrastructure

The safe-spend layer agentic payments were waiting for.

Agents can shop, but they stall at checkout — the moment one touches a raw card number, whoever handed it over inherits the fraud risk and the PCI burden.

Reap is the infrastructure you plug in: as a licensed Visa issuer, we let any agent pay at any merchant, with spend bounded by policy, card data never exposed to the model, and stablecoin & fiat settlement — all via API.

Licensed infrastructure

Regulated Visa-network rails across key markets

Built for autonomous spend

Credentials and controls built for machines, not people

Stablecoin-native settlement

USDC. No conversion delays, no FX friction

Issuer status

Licensed
VIC Partner

Settlement

USDC-native,
no FX

Authentication

Passkey - Agentic scopes

Availability

Global -
40 markets

Why Reap

Why teams choose Reap for agentic payments

Other issuers bolt agent support onto legacy card processing. Reap was built on modern infrastructure from day one, then earned the licenses to plug into the regulated rails. That order matters.

Infrastructure designed for agents, not adapted for them

Tokenized credentials, programmable spend controls, stablecoin settlement rails.

Agents that complete, not just recommend

From intent to settlement in a single agentic flow. No human handoff.

Compliance built into the infrastructure

KYB, KYC, and network-level authorization at the platform layer.

Who It's for

Built for the teams shipping
agentic payments

Agent Builders Neobanks & Issuers Internal · Business Account

01 For

Agent Builders

You're building financial/consumer AI agents; you own the agent and need the card + safe-spend layer underneath, without becoming a fintech or issuer.

Pain point

Agents stop at "recommend", the payment handoff breaks the flow

How we help

Programmable Visa credentials for agentic AI payments, end-to-end

02 For

Neobanks & Issuers

Cards are already your product; add an agentic layer so users can spend through agents with confidence.

Pain point

Procurement and supplier payments are still manual today

How we help

Agent-initiated flows within pre-approved spend controls

03 For

Internal · Business Account

Already scaling thousands of cards on Reap's API? Point the same primitives inward for agent-driven business spend.

Pain point

Off-chain payments force a detour into fiat

How we help

USDC-native settlement means no bridging, no conversion overhead

How it works

How a purchase flows — end to end

From your agent saying "buy this" to Reap settling on-chain — runs in under four seconds on a cold path.

Agent initiates intent

Your agent decides to buy — compute, SaaS, flights. It calls Reap asking for a credential.

Reap scopes & issues

Scoped by merchant, amount, TTL. A Visa-backed tokenized credential is minted in ~120ms.

Passkey binds auth

The credential is bound to a passkey held by the agent. No OTP, no phone tap, no human.

Agent transacts

Agent presents the credential at checkout. Visa auths, Reap underwrites against Stablecoin collateral.

Merchant receives funds

Merchant gets standard Visa settlement. From their side, it's a normal card transaction.

Reap settles on-chain

Reap nets out your collateral against Visa. You see a Stablecoin debit; no bank, no FX, no three-day gap.

AGENTIC Accelerator PROGRAM

Build it with us.
Launch it with us.

A handpicked cohort of ~10 teams building agentic payments. Co-design the product and launch with us — and get more than test credit: a stage, distribution, and a path to a live program.

APPLY NOW

What selected partners get

Up to $10,000 in launch credits

to help remove friction on the path to launch

Weekly consult sessions over ~6 weeks

with hands-on support

Co-marketing spotlight

across Reap’s platform

Increased visibility at Reap's exclusive events

at Token2049 and more

Direct input

into the product roadmap

FAQ

Questions we get often.

A fast read on the parts of Agentic Payments that teams usually want to understand before their first call. Still unclear? Ask us directly — we'll route you to the right engineer on the first reply.

+01

What is Visa Intelligent Commerce?

Visa Intelligent Commerce (VIC) is Visa's global framework for enabling AI agents to transact on behalf of users and businesses. It defines the identity, authentication, and authorization standards that let AI agents make payments autonomously — within rules set by the human user. Reap is a licensed VIC issuer and infrastructure partner.

+02

What is agentic commerce?

Agentic commerce is the next evolution of how transactions happen — where AI agents, not humans, initiate and complete purchases autonomously. Instead of a person clicking "buy," an agent researches options, selects the best one, authenticates, and pays — all within parameters set by the user. Visa Intelligent Commerce is the network-level standard that makes agentic commerce safe and verifiable at scale.

+03

What are agentic payments?

Agentic payments are transactions initiated and completed by AI agents on behalf of a user — without requiring manual approval at the point of purchase. The user sets the rules upfront (spend limits, approved merchants, categories), and the agent operates autonomously within those bounds. Visa Intelligent Commerce provides the network-level infrastructure that makes agentic payments secure and verifiable.

+04

Is this a new product or something Reap has been building toward?

Building toward. Reap's infrastructure has been designed with autonomous operation in mind. VIC is where that becomes an actual product. And this is just the start of Reap's innovation track in the programmable economy.

+05

Do users have to approve every transaction?

It depends. Users will be able to set their spending limits, MCC through payment instructions. The agent then operates autonomously within those bounds. When a transaction approval is needed, a passkey will be requested from the user and they will need to approve the action by providing the password.

+06

Which agent protocols do you support?

Trusted Agent Protocol, Machine Payments Protocol (MPP), and Agentic Commerce Protocol (ACP) — via a single integration.

+07

How is this different from giving my agent a corporate card?

A corporate card has no concept of agent identity, spend scope, or programmable controls. Reap's VIC credentials are bound to specific agents, rules, and merchants, all validated at the network level before every transaction. Using VIC also means you do not have to give our your card details.

+08

What's coming next?

VIC is the start. Reap's innovation track continues on to programmable treasury, AI-native financial workflows, autonomous cross-border settlement. Talk to our team for more information.

Build and pay without lifting a finger.