agent · payments
AgentCard vs RefundHalt
55 fields both were evaluated on, 32 of them different — including where one discloses something the other does not. Every value links to the document it came from. 23 further fields are disclosed by neither and are listed at the end rather than tabled.
Assurance
| Field | AgentCard | RefundHalt |
|---|---|---|
| Indemnification· | “The legal responsibility sits with us, not you.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Audit trail· | “Every request, response, and outcome lands in one ledger.”refundhalt.com · checked Aug 4, 2026 | |
| Explainability· | “Each card is locked to one store and one amount. If it ever leaks, it buys nothing.”agentcard.sh · checked Aug 7, 2026 | “RefundHalt also uses AI to read your app's public store listing and describe what each purchase costs you to deliver, which makes your case easier for a reviewer to understand.”refundhalt.com · checked Aug 4, 2026 |
| Runtime governance· | “Scoped spend limits + agent-specific cards feels like the safest path for real autonomous workflows.”agentcard.sh · checked Aug 7, 2026 | “If your data is missing or your server is down, a fallback still answers before the window closes.”refundhalt.com · checked Aug 4, 2026 |
| Permission scopes· | “Each card is locked to one store and one amount.”agentcard.sh · checked Aug 7, 2026 | “We only request the minimum access needed to answer refund requests and submit your evidence, never a permission that could transfer your app or change your account.”refundhalt.com · checked Aug 4, 2026 |
| Compliance certifications· | “SOC 2 Type I In progress PCI DSS SAQ D In progress”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Regulatory alignment· | no public information agentcard.sh · checked Aug 7, 2026 | “Apple's engineers publicly recommend calling the Send Consumption Information endpoint when a refund request arrives, because the data you provide is considered in the decision. Google introduced the Review Refund API so developers can share transaction information on chargebacks.”refundhalt.com · checked Aug 4, 2026 |
| Settlement mechanism· | “After the payment is completed the user will see the transaction on their bank statement.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Dispute process· | “Who eats a bad charge? New cards: our dispute process. Connected cards: the user's bank protections, same as always.”agentcard.sh · checked Aug 7, 2026 | “The store decides with only the customer's information. In practice, an unanswered request is usually approved. Responding costs nothing and puts your side into the decision.”refundhalt.com · checked Aug 4, 2026 |
Agency
| Field | AgentCard | RefundHalt |
|---|---|---|
| Human oversight· | “Approve with a tap. Complete payments inside your app easily from the Agentcard Wallet widget.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Goal complexity· | “Your users already ask their assistant for dinner, flights, and refills. Now the agent can finish the job: search, compare, fill the cart, and pay.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Action space· | “Enable payments for your agents today. Connect the Agentcard Wallet to your app to give agents a way to pay”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Operating environment· | “Use your own browser automations or our Purchase API with your Agentcard Path A Browser automations”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Initiative· | “Now the agent can finish the job: search, compare, fill the cart, and pay.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
Safety
| Field | AgentCard | RefundHalt |
|---|---|---|
| Usage restrictions· | “Each card is locked to one store and one amount. If it ever leaks, it buys nothing.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Incident reporting· | “Who eats a bad charge? New cards: our dispute process. Connected cards: the user's bank protections, same as always.”agentcard.sh · checked Aug 7, 2026 | “contact us by email at support@refundhalt.com”refundhalt.com · checked Aug 4, 2026 |
| Data handling· | “Card details live in our secure vault. Your app and the agent never see the real number.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
Practicality
| Field | AgentCard | RefundHalt |
|---|---|---|
| Pricing model· | “Pricing Flat monthly fee, no metered usage fees.”agentcard.sh · checked Aug 7, 2026 | “Three plans. Everything automatic. Pick a plan, connect your apps, and every refund request is answered for you.”refundhalt.com · checked Aug 4, 2026 |
| Price point· | no public information refundhalt.com · checked Aug 4, 2026 | |
| Availability· | “Ready when you are Let's put a card in your agent's hands. ✦ Talk to a human ✦ No sales team. Two founders and a Slack channel.”agentcard.sh · checked Aug 7, 2026 | |
| Deployment options· | “Self-served Everything from the dashboard Keys, markup, limits, and payouts all run from the dashboard.”agentcard.sh · checked Aug 7, 2026 | “RefundHalt works entirely server-side through the stores' official APIs.”refundhalt.com · checked Aug 4, 2026 |
| Integrations· | “Purchases API DoorDash, Good Eggs, Uber Eats, Ticketmaster, and 100+ more.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Supported regions· | “Issued cards are accepted at Visa merchants worldwide. Loading an existing card is US-only for now.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Support model· | “No sales team. Two founders and a Slack channel.”agentcard.sh · checked Aug 7, 2026 | “contact us by email at support@refundhalt.com”refundhalt.com · checked Aug 4, 2026 |
Foundation models
| Field | AgentCard | RefundHalt |
|---|---|---|
| Base models· | no public information agentcard.sh · checked Aug 7, 2026 | “RefundHalt also uses AI to read your app's public store listing and describe what each purchase costs you to deliver”refundhalt.com · checked Aug 4, 2026 |
Ecosystem
| Field | AgentCard | RefundHalt |
|---|---|---|
| Protocols supported· | “POST /v2/purchases { "ask": "2 spicy tuna rolls to the office" }”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Tool use· | “Use your own browser automations or our Purchase API with your Agentcard Path A Browser automations”agentcard.sh · checked Aug 7, 2026 | “We ask your server how much a customer used: # POST https://yourapp.com/webhooks/refundhalt # { "type": "usage.lookup", "user_id": "b48c1f22-...-uuid" } # Reply with anything you have, or skip it entirely: { "consumption": 72 }”refundhalt.com · checked Aug 4, 2026 |
| API access· | “Purchases API DoorDash, Good Eggs, Uber Eats, Ticketmaster, and 100+ more. ✓ No per-order fees on covered purchases”agentcard.sh · checked Aug 7, 2026 | “An API you'd build yourself, if you had a spare quarter Everything the dashboard does, over a clean REST API with keys, filterable lists and signed webhooks.”refundhalt.com · checked Aug 4, 2026 |
Impact
| Field | AgentCard | RefundHalt |
|---|---|---|
| User base· | “Trusted by Iris · Show · Bido · Pally · Orgo · Metonymous · Papaya · Rose Labs · Axra · Pluto ·”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Deployment scale· | “10 min 10-min implementation One command reads your codebase and wires the integration: npx agent-cards companies wizard . Teams hit the sandbox the same afternoon.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| Target sectors· | “Agent-first card issuing Payments used to be a cost line. Here the interchange, your markup, and the rewards all point back at you.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
| High-risk domains· | “Agents need to interact with the real world. The plumbing layer for agentic systems is massively underbuilt right now.”agentcard.sh · checked Aug 7, 2026 | no public information refundhalt.com · checked Aug 4, 2026 |
Disclosed by neither
Both AgentCard and RefundHalt publish nothing on these 23 fields. That is a finding about the category rather than a difference between them, so it is recorded here instead of as 23 identical table rows. Each is shown with its source check on the individual profiles.
- Autonomy level
- Documented incidents
- Model provider
- Model swappable
- Open weights
- Fine-tuning
- Context window
- Multi-agent
- Open source
- Marketplace presence
- Safety evaluations
- Red teaming
- Safety policy
- Model or system card
- Third-party evaluations
- Insurance available
- Insurance carriers
- Coverage limits
- Liability cap
- Tamper-evident log
- Outcome-based pricing
- SLA terms
- Evaluation coverage