PayClaw empowers AI agents with UCP-compliant identity badges and single-use virtual Visa cards for secure, human-approved autonomous commerce.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install payclaw-io
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 payclaw-io 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 PayClaw?
PayClaw solves the critical challenge of AI agents being treated as anonymous bots by online merchants. By providing a Badge—a Universal Commerce Protocol (UCP) compliant credential—it declares your agent as an authorized actor, allowing it to bypass merchant defenses and access preferred status.
Beyond identity, PayClaw provides Spend capabilities, which issue single-use virtual Visa cards for agent-driven purchases. This ensures your real financial information never enters the chat history, as every transaction is merchant-locked, amount-capped, and requires explicit human approval. As a leading choice among Openclaw Skills, it bridges the gap between browsing and secure transaction execution.
PayClaw Use Cases
- Authorizing AI agents to interact with UCP-compliant merchants without being blocked as bots.
- Securing agent-led e-commerce purchases via human-in-the-loop virtual card issuance.
- Managing delegated spending with strict limits and 15-minute card expiration windows.
- Creating a verifiable audit trail for all agent-initiated financial transactions.
- Protecting primary credit card data by using merchant-locked disposable payment methods.
How PayClaw Works
- The agent calls the getAgentIdentity tool to establish a trip-level UCP credential before interacting with a merchant.
- When a purchase is necessary, the agent requests a virtual card by declaring specific intent, including the merchant and total amount.
- The user receives a notification to approve the spend request via a secure device authentication flow.
- Upon approval, PayClaw issues a single-use virtual Visa card directly to the agent.
- The agent completes the checkout and calls the reportPurchase tool to finalize the audit and trigger card destruction.
PayClaw Setup
To integrate this capability into your environment as part of your Openclaw Skills, add the following configuration to your MCP settings file:
{
"mcpServers": {
"payclaw": {
"command": "npx",
"args": ["-y", "@payclaw/mcp-server"],
"env": {
"PAYCLAW_API_URL": "https://api.payclaw.io"
}
}
}
}
Requirements: Node.js 20+. On initial use, the agent will provide a one-time authentication URL. Simply approve the request on your phone to store your Consent Key automatically.
PayClaw Data Schema & Taxonomy
PayClaw organizes commerce data through the following structures:
| Component | Type | Description |
|---|---|---|
| UCP Credential | JWT/Token | A merchant-specific identity token based on io.payclaw.common.identity protocol. |
| Virtual Visa | Financial Object | A single-use card with 16-digit PAN, CVV, and 15-minute expiry. |
| Consent Key | Auth Token | A locally stored credential that links the agent to your approved payment source. |
| Purchase Report | Metadata | A JSON record of transaction success, used to close the audit trail. |
PayClaw Advanced Features
- UCP Identity Linking: Signals to merchants that the agent is an authorized user representative.
- Zero Standing Access: No active cards exist until the moment of purchase intent.
- Merchant-Locked Spend: Cards are restricted to the specific merchant requested, preventing fraud.
- One-Tap Mobile Approval: Seamless human-in-the-loop verification for every transaction.
- $500 Account Ceiling: Built-in hard cap on account balances for enhanced risk management.
SKILL.md
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