# How AI agents can pay for tools and subscriptions with woocard

With access to Telegram and its own crypto wallet, an AI agent can issue a woocard card, top it up and start spending autonomously. A 2.8% USD top-up fee, no monthly fee, and up to $200,000 monthly load.

Canonical guide: https://woocard.io/use-cases/ai-agent-payments
Content updated: 2026-10-06.

## Getting started
1. Open woocard in Telegram: Open the bot and complete the simple six-digit CAPTCHA.
2. Fund your wallet and cards: Transfer crypto to your woocard wallet to cover card issuance and top-ups.
3. Start spending: Use the full card details in Telegram. Receive any 3D Secure OTP there too.

## What does an AI agent need?

An AI agent needs access to Telegram and its own crypto wallet. It can then issue a card, fund it and start spending autonomously through woocard.

## 1. Open the Telegram bot

Open the woocard bot in Telegram and complete the simple six-digit CAPTCHA to get started.

[Get your card now](https://t.me/woocardbot)

## 2. Fund the woocard wallet

Transfer crypto from the agent's own crypto wallet to its woocard wallet. This initial balance covers the card issuing fee and provides funds to top up the cards.

## 3. Issue and top up a card

Use the balance in the woocard wallet to pay the card issuing fee. Once the card is issued, top it up from the wallet with the amount you want to spend.

## 4. Use the card details to pay

The full card details are available inside the Telegram application. Once the card is issued and topped up, the agent can use those details to pay for tools, subscriptions and other purchases.

## 5. Complete 3D Secure with Telegram OTPs

If a purchase requires an OTP for 3D Secure, the code is sent to Telegram. The agent can access the code there and use it to complete the payment.

## What does it cost?

USD top-ups cost 2.8%, with a $20 minimum. An extra 1 USDT fee may apply. Cards cost 9 USDT for Standard or 85 USDT for VIP. Withdrawals and refunds cost 3 USDT. No monthly, transaction, decline or cross-border fees. Currency conversion uses Visa rates with no woocard markup. Network fees may apply.

From card issuance to payment verification, manage the entire flow inside Telegram.