AI software can now get its own company credit card

Four financial technology companies, Ramp, Mercury, Corpay and Sunrate, now offer company cards built for AI agents. An agent is software that can act on its own. With these cards, it can buy supplies, book travel and pay vendors without an employee typing in payment details for every purchase.

What changed

The newest is Sunrate's Agentic Card, introduced Monday, Nov. 2. Sunrate is a cross-border payments and treasury platform that operates in more than 190 countries and regions. Corpay launched Agent Card in July. Mercury introduced agent cards in August, after customers began giving ordinary virtual cards to AI software. A virtual card is a card number made by software, with no plastic behind it.

How the controls work

• Sunrate: a business approves a workflow and sets the amount, currency, merchant category, region and expiration date.
• Mercury: a person sets the budget, merchants and categories. The agent cannot raise its limit, and out-of-bounds purchases are declined.
• Ramp: an agent asks for a single-use card, and Ramp checks the request against company policy. Each card has a hard spending cap.
• Corpay: agents create controlled virtual cards for procurement, advertising, travel and supplier payments.

Sunrate's card completed Mastercard Agent Pay certification, which covers identity and authorization for payments an agent starts. Sunrate gave an example: an online travel agency could have a card issued for one marketing campaign or one supplier payment.

Shoppers get versions too

Stripe's Link is a digital wallet that Meta's Muse shopping agent uses to pay. Where Link is not accepted, it gives the agent a single-use card limited to the purchase the shopper approved. Crossmint takes a different path. Its Lobster.cash product lets Mastercard cardholders authorize agents to buy with cards they already hold.

How ready are finance chiefs

Finance leaders trust AI with advice before they trust it with money. In a PYMNTS Intelligence survey of 60 CFOs at large U.S. companies, taken in October 2025, 52% would use autonomous AI to suggest changes to payment timing or cash levels. Fewer than one in three would let it move budgets around. A separate report found close to 7% of enterprise CFOs had agents in finance work, and 5% were running pilots.

What to do

A business owner could hand routine buying to software, but the common design here is to set tight limits first: how much, where and for how long. The material does not say what these cards cost or which companies can get them yet.