An intelligent financial management skill for optimizing payment methods, maximizing rewards, and securing transactions.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install pay
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install pay using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Pay?
The Pay skill is a sophisticated financial logic layer designed for AI agents within the Openclaw Skills framework. It enables agents to act as personal financial advisors, helping users choose the most cost-effective and reward-heavy payment methods for every transaction. By synthesizing complex card benefits and security protocols, the skill ensures that users never miss out on cashback while staying protected from fraud.
Beyond simple recommendations, this skill provides a structured approach to managing life's financial overhead. It covers everything from dispute resolution and chargeback procedures to strategic bill management and reward point optimization. It is built to prioritize security, ensuring that no sensitive actions are taken without direct user authorization.
Pay Use Cases
- Determining the optimal credit card for specific categories like dining, gas, or travel.
- Handling suspicious charges and executing immediate fraud protection workflows.
- Managing complex bill payment schedules using automated logic for fixed and variable costs.
- Navigating merchant disputes with structured documentation and scripts.
How Pay Works
- The AI identifies financial triggers such as payment questions, bill management, or security concerns.
- It evaluates the transaction context against your local cards.md to find the highest reward-to-fee ratio.
- The system checks for international transaction requirements to avoid foreign transaction fees.
- It references specialized security and dispute files to provide step-by-step recovery or resolution plans.
- The agent presents a recommendation and waits for user confirmation before finalizing any financial advice or action.
Pay Setup
To integrate this skill into your agent environment, ensure the following files are present in your local knowledge base:
# Create the necessary metadata files
touch cards.md security.md disputes.md rewards.md
Configure your cards.md with your specific card benefits to enable the recommendation engine within Openclaw Skills.
Pay Data Schema & Taxonomy
The skill relies on a decentralized file-based schema to store financial preferences and card data:
| File Name | Description | Key Fields |
|---|---|---|
| cards.md | Registry of available cards | Category bonuses, flat rates, foreign fees |
| security.md | Security and fraud protocols | Emergency bank contacts, fraud red flags |
| disputes.md | Dispute management tools | Chargeback reasons, documentation checklists |
| rewards.md | Reward strategy guide | Point valuations, transfer partner lists |
Pay Advanced Features
- Intelligent category bonus logic that automatically prioritizes high-yield cards.
- Cross-referenced international fee checking for global travel and purchases.
- Multi-tier bill management logic that separates autopay for fixed and variable expenses.
- Proactive fraud mitigation workflows including card freezing and transaction reporting guides.
SKILL.md
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