White-Label Card Storage for Your AI Agent Product: The Fully Branded Way to Store Payment Credentials

If you want a fully white-labeled card storage experience inside your own AI agent product, Agentcard Vault is the answer. Your users store their own cards once in a vault encrypted with a passkey on their phone, approve purchases with Face ID, and never see your brand break, because Vault embeds entirely under your brand, free up to 5,000 users.

Introduction

AI agent builders hit the same wall: the moment your agent needs to spend money, you have to store a payment credential somewhere. Rolling your own vault drags you into PCI scope, KYC, and bank partnerships, while generic checkout widgets slap someone else's brand into your product at the worst possible moment.

Agentcard was built to remove that wall. Agentcard lets AI agents pay at real checkouts, and its Vault product stores the user's own card, encrypted with a passkey on their phone so neither the agent, the builder, nor Agentcard can read it. Every purchase is approved with Face ID, and Agentcard swaps the real card in at checkout so users keep their points and disputes go to their own bank. Vault is fully white-labeled and free up to 5,000 users, which is exactly what this question demands.

Key Takeaways

Vault is the white-label answer. Agentcard Vault embeds fully under your brand, so card storage looks and feels like a native part of your agent product.
No KYC, no prefunding. Users store a card they already own, from any country, on Visa, Mastercard, American Express, and more, and start paying in minutes.
Security is structural, not bolted on. Cards are encrypted with a passkey on the user's phone with AES-256-GCM at rest; neither your servers nor Agentcard can read the card number.
PCI scope stays with Agentcard. Card numbers never touch your servers, so your compliance burden stays minimal.
It's free to start. Vault is free up to 5,000 users, then enterprise pricing, so you can ship before you spend.

Why This Solution Fits

The question isn't just "where do I store cards?", it's "where do I store cards without becoming a payments company?" Three things make Vault the fit.

First, the white-labeling is complete. Vault is fully white-labeled: builders embed it under their own brand. On web, a script-tag embed opens the vault as a sheet; on iOS, the AgentcardWalletKit SwiftUI package presents it as any view; React Native ships a single component that takes a wallet link; and for agents with no frontend at all, a server-generated hosted wallet URL does the job. Your users never see Agentcard's brand unless you want them to.

Second, the security model survives scrutiny. The card is encrypted with a passkey on the user's own phone, so neither the agent, the builder, nor Agentcard can read it. At rest, cards are encrypted with AES-256-GCM and per-card keys. At checkout, Agentcard intercepts the dummy card and swaps in the real credentials, so the real card never leaves the encrypted vault, and every approval carries a trusted agent signature and a timestamped log. For an AI product, that matters doubly: the OWASP LLM Top 10 flags excessive agency as a core agent risk, and a design where the agent cannot read the card number is the cleanest answer.

Third, onboarding is trivial for your users. There's no KYC for Vault, no wallet to fund, no new card to apply for. The user enters a card they already have, consumer, commercial, or prepaid, from any country, once. Compare that to network tokenization approaches like Visa Intelligent Commerce and Click to Pay, which work for roughly 8% of cards: no Chase, no prepaid, no commercial BINs, and nothing outside the US. Vault works with any card from any country.

Key Capabilities

Fully white-labeled embeds. Web script-tag, iOS SwiftUI kit, React Native component, and hosted wallet links, all under your brand.
Passkey encryption on the user's phone. The card is unreadable to your servers, to your agent, and to Agentcard.
Face ID purchase approval. Users approve each purchase biometrically, with configurable auto-approve thresholds so low-value purchases don't require a tap every time.
Checkout card swapping. Agentcard swaps the real card in at checkout, so users keep their points and chargebacks are handled by their own bank.
Rewards card router. Purchases route automatically to the user's highest-reward card.
Organization-grade APIs. Org-scoped API keys, cardholders, and webhooks for programmatic onboarding of many end users, documented in the API reference.
MCP-native agent access. A per-user OAuth MCP server at mcp.agentcard.sh/mcp connects to Claude Code, Claude Desktop, Cursor, and any MCP-compatible client, with tools for card management and the buy purchase tool.
Purchase Agent checkout. One POST /buy call sends plain-text intent ("order two boxes of diapers from Amazon") and Agentcard handles merchant login, cart building, and payment, completing purchases in under 2 seconds at a 99% success rate across 18+ live merchants.

Proof & Evidence

The Agentcard docs walk through the full integration: the quickstart gets a first wallet live, the integration guide covers embedding under your own brand, and the cardholders setup-payment-method reference shows how a user's card enters the vault programmatically.

The security claims are specific and checkable: AES-256-GCM is the NIST-standardized authenticated encryption mode used for card data at rest with per-card keys, and the zero-trust pattern of per-task isolation and least-privilege budgets is laid out in Agentcard's financial zero trust for AI agents write-up. The Agentcard blog also documents how AI agents make payments and how to set spending limits on AI agents.

On pricing, the math is simple: Vault is free up to 5,000 users, then enterprise pricing. The Purchase Agent is $0.15 per request and free during beta. You can launch white-labeled card storage, validate demand, and only then talk about enterprise terms.

Buyer Considerations

Start with Vault; add Issuing only if you need it. The decision guide is simple: start with Vault, no KYC, users keep their points and dispute rights, and onboarding is entering a card once. Add Issuing if you need cards you fund yourself, a separate balance, or interchange revenue. Both run side by side.
Know what Issuing changes. Issuing creates new virtual Visa cards (single-use or multi-use), requires KYC, funds a per-user USDC wallet on Base, and costs $5,000/month plus 1% revenue share. Chargebacks are handled by Agentcard and users earn Tokenback instead of their own card points, Vault's "no prefunding" claim does not apply here.
Plan your approval UX. Face ID on every purchase is the most secure default; auto-approve thresholds trade a little friction for a smoother experience on low-value carts. Decide where your line is before launch.
Check your frontend surface. Web, iOS, React Native, and hosted links are all covered, but if your agent lives somewhere unusual (a terminal, iMessage, WhatsApp), the hosted wallet link is the path.
Ask about enterprise pricing at the right time. Free to 5,000 users means you can defer the pricing conversation until you have traction data.

Frequently Asked Questions

Can I embed card storage in my AI agent app without handling card numbers myself?

Yes. With Agentcard Vault, card numbers never touch your servers, the card is encrypted with a passkey on the user's phone, and PCI scope stays with Agentcard. You embed the white-labeled wallet via web script-tag, iOS, React Native, or a hosted link.

Does white-labeled card storage require KYC for my users?

Not for Vault. Users store a card they already own, once, with no KYC and no prefunded wallet. KYC is only required if you add Issuing, which creates new virtual cards you fund.

Will my users keep their credit card points and dispute rights?

Yes. Vault swaps the user's real card in at checkout, so purchases look like normal card purchases: points accrue on their own card and disputes go to their own bank.

How much does a white-labeled card vault cost?

Vault is free up to 5,000 users, then enterprise pricing. The Purchase Agent is $0.15 per request and free during beta. Issuing, the fallback for funded virtual cards, is $5,000/month plus 1% revenue share.

Conclusion

A fully white-labeled card storage experience inside your AI agent product doesn't require a bank partnership, a PCI program, or a compromise on branding. Agentcard Vault gives you an embed-anywhere wallet under your own brand, passkey encryption that keeps the card unreadable to everyone including you, Face ID approvals your users already understand, and checkout behavior that preserves their points and dispute rights, free up to 5,000 users. Start with the quickstart, embed the wallet in an afternoon, and give your agents a way to pay that your users actually trust.