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A payment method is the real card on file (held securely by Stripe) that funds the virtual cards you create. You need at least one saved before creating your first card.

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How funding works

When you create a virtual card, AgentCard places a hold on your default payment method for the card’s spend limit. You’re only charged as the virtual card is actually used and transactions settle — closing a card releases any uncaptured hold.

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Manage your methods

agent-cards payment-method setup        # save a method via Stripe
agent-cards payment-method list         # list methods, marks the default
agent-cards payment-method default <id> # set the default
agent-cards payment-method remove --id <id>
The default payment method is the one used to fund newly created cards. See the CLI details in Payment Methods (CLI).

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Common error

If card creation returns payment_method_required, you have no saved method yet — run setup_payment_method (or agent-cards payment-method setup) first.