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Let a user pay for their own cards. You verify their phone once, create a link, and the user pays in their own browser. When your company’s cards are user-funded, the cards you create for that user then draw on that balance. Every endpoint here takes your platform token and names the user with user_id. To fund cards yourself, use the company wallet instead.
In production the user needs a verified identity first, or the request is refused with kyc_required. The response then carries a checkout_url. Send it to the user: Agentcard covers the provider fee, so send the exact amount the user should receive. Learn when the money lands from a fresh read of the funding session. The first funding needs a verified phone. Without one, the request is refused:
Send a phone code, verify it, then send the same request again. In sandbox no one pays. The test money lands right away, checkout_url is null, and the phone code is always 111111.