Agentic payments your business can actually trust
Automate payouts, purchases, refunds, and API spend with rules that run before money moves.
How Conto governs payments by AI agents
Automated payment operations
Conto
Every payment is checked before money moves. Policy decides what clears, what pauses, and what stops.
Runtime governance
Approval routing
Exceptions reach a human
Vendor and counterparty controls
Trusted recipients only
x402 budgets
Hard per-call limits
Settles and creates a record
Routine spend moves at agent speed. Every payment lands with the policy result, approval, and counterparty attached.
Automated Payment Operations
Payment workflows agents can run end to end, with Conto enforcing spend policies right where the money moves.
Payout automation
Policy-checked payouts
Pay people or move funds as soon as work completes, with every payout checked before release.
- Best for
- Delivery, payroll, fintech transfers
- Controls
- Caps, velocity, approval
- Outcome
- Fast settlement with hard stops
Autonomous procurement
Payment controls for autonomous procurement
Let procurement agents source and select suppliers while Conto governs payees, amounts, categories, and approvals.
- Best for
- Agent-initiated supplier payments
- Controls
- Payee, amount, category, approvals
- Outcome
- Payment-ready requests clear or pause before funds move
Credits and refunds
Refunds and credits, within policy
Let agents issue routine corrections instantly while larger refunds and credits route for review.
Industries
- Best for
- Hospitality, billing, support recovery
- Controls
- Category rules, budgets, approvals
- Outcome
- Routine refunds clear; larger exceptions get reviewed
Runtime Governance
Controls and safeguards for cases where autonomous payments need approvals, trusted counterparties, or hard spend limits before they clear.
Escalation paths
Approvals for payment exceptions
Keep routine payments moving while high-value or ambiguous requests pause for human review.
- Best for
- Large orders, travel, credits
- Controls
- Thresholds, escalation, records
- Outcome
- Humans review exceptions only
Vendor trust controls
Vendor and counterparty controls
Let trusted vendors clear quickly while new, changed, or risky recipients pause for review.
- Best for
- Procurement, travel, merchant spend
- Controls
- Allowlists, trust, merchant rules
- Outcome
- Faster trusted payments, less drift
Micropayments
Budgets for machine payments
Set spending limits per request and per session for API, inference, and compute usage.
Industries
- Best for
- Inference, APIs, service spend
- Controls
- Per-call caps, session budgets, velocity
- Outcome
- Machine-speed buying with hard limits
Consumer And Personal Agents
Assistants that spend an individual user's money rather than a company budget, where the approval has to reach the person in the chat thread they already use.
Consumer agent controls
Spend controls for personal assistants
Each user sets which merchants their assistant can use, how much, and when to ask.
- Best for
- Assistants in iMessage, WhatsApp, and Telegram
- Controls
- Merchant rules, spend caps, approval thresholds, per user
- Outcome
- Users delegate spending because they set the boundary