Documentation v1.24
Last updated 2026-08-20 Give feedback

Getting Started

Install the Payrail Agent skill, connect the runtime to the remote MCP, then top up Payrail Agent Card before the first low-risk payment session.

Get Started With UI

Use this path when you want to set up the human control surface first. The UI lets you manage Payrail Agent Card state, review sessions, respond to requests, create UI-connected agent prompts, and choose the platform where approvals should arrive.

  1. Create an account with email, Apple, or Google. Email signup uses an OTP.
  2. Create or link the payment account for the same email.
  3. Complete identity verification (KYC) in the provider verification flow opened from Payrail Agent.
  4. Top up the Payrail Agent Card balance. Crypto top-up is available now; fiat top-up depends on the active provider route.
  5. Open the Web app, mobile app, ChatGPT app, Claude app, or Telegram miniapp and choose the request channels you want to use.
  6. Create an agent from the UI when you want Payrail Agent to generate a setup-token prompt for that specific agent.
  7. Add useful Memory such as delivery addresses, logins, or passport details from the UI before a session needs them.

Get Started With The Agent

Use this path when you already know which agent runtime should pay for you. The setup flow installs the native Payrail Agent plugin, authenticates its bundled remote MCP, verifies capabilities, and then relies on remote requests whenever user approval or Memory data is needed.

  1. Send the agent Set up Payrail Agent from https://agent.payrail.one/skill.md or use the platform-specific prompt shown by the landing page.
  2. The plugin installs no package, Payrail Agent CLI, library, browser controller, browser driver, or local service.
  3. The runtime activates the plugin's bundled remote MCP endpoint and opens its browser OAuth connection page.
  4. Enter the email and OTP only on that page. OTP confirmation signs in the account and authorizes the MCP connection in one flow; do not send the setup OTP through agent chat.
  5. After connection succeeds, the skill calls get_payrail_agent_capabilities and uses remote account and top-up tools when needed.
  6. Ask for a small, specific first task with a clear success condition, such as a low-risk checkout or a page you already trust.
  7. Let the agent create the payment session and wait for Payrail Agent requests when approval, choice, login, identity data, or payment execution is required.
  8. Approve or deny requests in whichever Payrail Agent app you prefer.
  9. Review the session events after the run and save any reusable Memory items or preferences that make the next session smoother.

What Both Paths Need

Both paths lead to the same operating model: the user owns payment authority, Payrail Agent owns Memory request handling, and the agent continues only after the required approvals or protected actions complete.

  • A user account with a linked payment account.
  • Completed KYC for the supported region.
  • A funded Payrail Agent Card balance.
  • At least one enabled request channel for approvals and confirmations.
  • An installed Payrail Agent skill plus an authenticated remote MCP connection whose capabilities report remote session authority.
  • A constrained first purchase that is easy to verify.
Payrail Agent public documentation.