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A user adds a card to the Vault once. After that, any agent you run can pay with it, and the user only needs to approve each purchase. You don’t build a card form. Instead, you create a vault session, send the user its link, and Agentcard handles the rest: the page, the passkey, and the encryption. The page carries your branding. Set a display name and upload a logo in the dashboard under Settings → General → Branding, and every link you mint shows them in the header and tab title. The address, the passkey, and the “Powered by Agentcard” footer stay Agentcard’s; for a fully dedicated domain, talk to us.

Create a vault session

string
Omit this for a new user. The session is open: Agentcard creates the user during enrollment and returns their id. If you pass an id you already have, the session is connected: opening the link sends a one-time code to the contact on that account, and verifying it signs the user in.
string
Your own id for the user, 1 to 128 characters, such as cust_48213. Agentcard echoes it on vault.session_linked and on the session read, so you match the user to your records without a lookup table. Send the same id on every link you mint for the same user.
string[]
Pass ["card"] to open the card form even when the user already has a card on file. Use it for an “add another card” link. Without it, a user with a card on file sees that their card is ready and goes back to your app.
number
Lifetime in seconds (60 to 172,800). Defaults to 24 hours. Each session is single use.
$ORG_TOKEN must be a client-credentials access token. API keys are rejected with 400 client_credentials_required. Open sessions are limited to 200 per organization per rolling 24 hours.

Which kind of session

Default to an open session (no user_id). The user sees the card form straight away, with no account to create and no code to type, and a returning user picks “Unlock with your passkey” on the same page. Pass user_id only when you already hold one and want the link bound to that account before the user opens it; that connected session starts with a one-time code to the contact on the account, which is a sign-in step your user has to get through first. Deliver url to the user in the thread or app you already use with them. Each link is for a single enrollment, so send it to one person and associate the resulting user_id with whoever you sent it to.
Send the URL untouched: on its own line, as the last thing in the message, or as a message of its own. The token after vs= is signed, and any character glued onto it (a period, a closing bracket, the first word of the next sentence) makes the phone open a different link. That link fails verification and the Vault shows its Sign in page instead of the card form, so your user sees a login step that was never part of the flow. Agents that compose messages with a language model get this wrong easily; have your code send the link rather than the model.
What the user sees: a page where they enter their card details and save. A passkey locks the card, with fingerprint or face unlock on Android and Face ID or Touch ID on iPhone and Mac, and the card is encrypted on their device before it’s stored. A master password is offered afterwards as a backup. The page asks for a master password before the card is stored when the card will open only in this browser. No account to create first, and no code to enter. Returning users choose “Unlock with your passkey” instead of entering a card. The passkey signs them in, and the session links to their existing account. When the link carries the external_user_id of a user who already has a vault, the page skips the card form and asks for that user’s passkey. The session links to the same user_id you already hold, even if the user signed out of the Vault first. Another person’s passkey cannot finish the link, and nobody can set up a second vault on it.

Let a user add another card

Mint a link with the user’s external_user_id and steps: ["card"], then send it the same way:
The user unlocks their vault with their passkey and lands on the card form. The new card is stored under the user_id you already hold, and you get vault.card_stored for it. List the user’s cards to see both:
A user who no longer has their passkey cannot finish the link. Ask them to open it on a phone or computer where their passkey is saved.

Learn when the card is stored

You have two options.
vault.session_linked
A connected session already named its user, so it does not send vault.session_linked. It still sends vault.card_stored.

Option B: poll the session

For a CLI or an agent with no public endpoint, read the session until it finishes. Use the id from the create response, never the token inside url.
Honor poll_interval and you will never hit the read budget (40 reads a minute per session).

Check for an existing card

Never send a returning user through enrollment twice. Ask what they already have first:
Display fields only: id, brand, last4, expiry. Never card data. Pass a card’s id as cardId on a checkout when the user should pay with a specific card. Check for stored cards →

Test mode

A sandbox token creates a sandbox session. The passkey ceremony is real in the browser, and the user it creates is a sandbox user. On a connected session no code is delivered; 111111 verifies. Store a test card, any of Stripe’s published test cards, so the purchase flow works against test-mode storefronts.