The Easiest & Fastest Way For Agents to Pay
AI agents are learning to shop. Gift cards give them the perfect payment instrument. They are scoped, pre-funded, and compliant by design. finperks is the product catalogue layer that makes them work.
The Payment Infrastructure Layer for Agentic Commerce
The payment infrastructure to let agents checkout at 1000+ brands across EU & US.
Let an agent checkout via a closed loop gift card on behalf of a user simplifying checkout payments (no login or 2-FA or 3D secure) with value-added services like cashback potentially directly implemented.
Agent-Ready, Compliant by Design with Natively Implemented Guardrails.
Why Gift Cards are Structurally Perfect for Agentic Commerce
The problem with agents buying things: they need access to a payment credential, that
credential has broad exposure risk, and every transaction needs fraud controls, chargebacks, and scheme compliance.
A gift card sidesteps all of it.
Pre-funded
Spend limit is the gift-card face value. Hard cap, no override.
No Stored Card Data
The agent transacts via redemption codes, keeping sensitive payment credentials out of the execution layer.
Brand-Scoped
Closed-loop means the agent can only
spend at one brand. Scope is constrained by design.
No Chargeback Risk
The brand is the merchant and instrument issuer simultaneously.
Pre-Authorisation Guards
Guardrails enforced before a transaction is approved, not after.
No Payment Licence
No open-loop risk. No bank account
exposure. No payment licence needed.
Cashback
Enable agents to find eligible cashback brands, match the best offer, and issue prepaid rewards instantly after purchase.
Agent checks whether cashback via gift card is available
Agent matches merchant to the best cashback brand (for eg. 10% cashback on Dominos)
Gift card issued instantly
Barcode + PIN → wallet, email, or in-app
Agents have been shopping for a while now
A truly agentic AI system in payments is one allowed to act within strict permissions, limits, and guardrails set by humans.
Verified Agent Identities
Visa and Mastercard require AI agents to be registered and cryptographically authenticated as representatives of a
customer.
Spending Limits & Approvals
Spending limits, and user approvals for high-value actions are the core of the current infrastructure wave.
PSD2 & SCA Compliance
In Europe, strong Customer Authentication requires clear human authorisation for payment orders.
Industry analyses increasingly describe 2026 as the year agentic commerce moves from experiment to default option.
What is Agentic Commerce?
Agentic commerce is a form of online shopping where an AI agent searchs for items, compares options, and makes a purchase - with limited or no manual input from the user.
It compresses days of research, discovery, and comparison into near-instant moments of evaluation.
Agent recommends
Agents suggest products and compare options for the user.
Agent browses
Agents browse stores, add to cart, and prepare checkout.
Agent makes an autonomous purchase
Agents complete transactions within preset rules and budgets.
The First Platform Connecting Clients with Brands Directly
Give Your Agents The Full Shopping Experience
finperks connects your gift card program to the platforms building these agents. It also gives agents a catalouge to shop from. Get in touch with us!