Decide what autonomous agents can spend before money moves.
Validate agent intent, enforce spending authority, and return reason-coded authorization decisions before money moves across cards, tokens, and payment credentials.
AI agents can spend.
But who controls them?
As agents move from recommendations to execution, enterprises need a way to verify what an agent is allowed to do before spend happens. Existing payment systems assume human intent. Auctra introduces policy-driven authorization for agentic and automated payments.
How Auctra works
Enterprise defines policy
Merchant, amount, MCC, frequency rules
Agent uses instrument
Virtual card or token initiates spend
Auctra evaluates
Policy check runs at authorization time
Decision returned
Approve or decline with reason code
Issuer completes auth
Network authorization follows decision
Roll out safely with Observe mode
Start in Observe to see exactly what your policies would do — without blocking any transactions. Switch to Enforce when you're confident.
Observe
Policies are evaluated on every transaction but no block is issued. See what would have been declined — before you flip the switch.
Enforce
Auctra actively returns approve or decline decisions in real time. The issuer acts on the decision before money moves.
Simple authorization API
One endpoint. Real-time decision. Full policy context returned in the response.
Built for financial infrastructure
Not a payment processor
Auctra does not move funds or hold balances. We provide the authorization decision layer only.
< 50ms decisions
Authorization responses are returned before the issuer needs to act. No added latency in the auth flow.
Fail-open by design
If Auctra is unreachable, integrations can use an issuer-safe fallback path instead of blocking payment infrastructure.
Instant kill switch
Disable any agent, instrument, or policy immediately. Changes propagate to the authorization layer in real time.
Full audit trail
Every decision is logged with reason codes, policy context, evaluated checks, and a request timestamp.
Policy-scoped instruments
Each credential can be bound to a spending authority, giving operators a clear control boundary for agentic spend.
AI agent managing SaaS subscriptions
Define limits per merchant, restrict categories, and enforce spending caps — all before the transaction is approved.
Why platforms choose us
Decisioning before funds move
Simple REST API integration
Zero impact on user experience
Ready to enable secure automated spending?
Let's discuss how mandate-based spend control can work for your platform
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