Agent cards
Limits & restrictions
Merchant categories, transaction types, and scopes for Agent Cards.
Agent Card issuance is policy-controlled at the business level. Use it for constrained, one-time purchases where a fresh credential can be generated at checkout time.
Blocked merchant categories
Agent purchases can't run against these Merchant Category Codes (MCCs):
| MCC | Category |
|---|---|
| 4816 | Computer Network / Information Services |
| 5122 | Drugs, Drug Proprietors and Druggists Sundries |
| 5816 | Digital Goods: Games |
| 5912 | Drug Stores and Pharmacies |
| 5966 | Direct Marketing – Outbound Telemarketing |
| 5967 | Direct Marketing – Inbound Telemarketing |
| 5968 | Direct Marketing – Continuity / Subscription |
| 5993 | Cigar Stores and Stands |
| 6012 | Member Financial Institution – Merchandise and Services |
| 6051 | Quasi Cash – Merchant |
| 6211 | Securities – Brokers and Dealers |
| 7273 | Dating Services |
| 7995 | Betting, Lottery, Casino, Off-Track Betting, Wagers |
Unsupported transaction types
These flows are not supported today:
- 3D Secure (3DS). Affects online transactions in the EEA, UK, India, Japan, Australia, and a few others.
- Merchant-initiated transactions (MIT) / card on file. Affects subscriptions, recurring billing, and metered AI spend.
Required scopes
Agent Card endpoints require the cards:read_agentic scope, and writes need
spend_limits:write. If you authenticated without them, ask a Ramp admin to
grant access. On the CLI, run ramp update first — older versions surface
less-helpful scope errors.
Receipt handling
MCP connections do not currently support passing receipt images or PDFs from chat attachments into Ramp MCP tools. If a purchase workflow requires receipts, handle that step through the CLI, the Ramp dashboard, or another supported upload path.
If a restriction blocks a real workflow, reach out through Ramp support or your Developer API support path.