Conto

Agentic payments your business can actually trust

Payment workflows for agents that move money under policy.

The payment operations agents run, the governance Conto enforces

Automated payment operations

Instant payoutsPay on completion
Autonomous procurementSource and buy
Refunds and creditsMake customers whole

Conto

Every payment is checked at the moment money moves. Runtime governance 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, with 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 purchasing

Autonomous procurement, within policy

Let agents buy on demand within approved vendors, categories, and budgets.

Best for
Supply chain, travel, commerce
Controls
Supplier policy, PO caps, approvals
Outcome
Repeatable buying without spend drift

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
Faster resolution without leakage

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

Cap each request and session so API, inference, and compute spend stays bounded.

Best for
Inference, APIs, service spend
Controls
Per-call caps, session budgets, velocity
Outcome
Machine-speed buying with hard limits