Steps

Model payment authority as a scoped credential object in your system: fields include max_transaction_amount, allowed_merchant_domains or MCC whitelist, not_valid_after timestamp, and a one-time or N-use counter.
Store the credential server-side; give the agent only a short-lived opaque token (UUID) that it presents to your payments middleware — the middleware resolves actual limits before forwarding to the PSP.
On each payment request from the agent, validate: (a) token not expired, (b) requested amount ≤ max_transaction_amount, (c) merchant identifier matches the whitelist, (d) use counter not exhausted.
If any check fails, reject the request with a structured error the agent can interpret (e.g., AUTHORITY_EXPIRED, MERCHANT_NOT_ALLOWED) so it can escalate rather than retry blindly.
Log each authority check — pass or fail — with the agent session ID, merchant, amount, and timestamp to your audit store.
Rotate or revoke the scoped token immediately after task completion; do not allow tokens to persist across agent sessions.

Known gotchas

Per-transaction caps do not prevent an agent from making many small purchases in a loop — add a rolling window rate limit (e.g., max N transactions per hour) alongside the per-transaction cap.
Merchant locks based on domain name are easy to spoof in test environments; in production, validate against a canonical merchant ID or MCC code from the payment network, not just a URL string.
Scoped tokens with expiry still need explicit revocation on task failure or agent crash — rely on expiry as a safety net, not the primary cleanup mechanism.

Design and enforce scoped payment credentials with spend controls for agent mandates using Stripe Shared Payment Tokens and OAuth-gated Link wallet authorization

docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens · 6 steps · unrated

Handle Agentic Commerce Protocol Shared Payment Token (SPT) expiration by detecting a near-expiry allowance window and re-invoking Create Checkout to mint a fresh token before an agent's session stalls

docs.stripe.com · 6 steps · unrated

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Scope an agent's payment authority with per-transaction caps, merchant locks, and expiry

Steps

Known gotchas

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