Authorization control for autonomous spending
Auctra lets enterprises define and enforce real-time spend controls for AI agents and non-human transactions — before money moves.
AI agents can spend.
But who controls them?
As agents move from recommendations to execution, enterprises need a way to control how money is spent — in real time. Existing payment systems assume human intent. Auctra introduces policy-driven authorization for autonomous transactions.
How Auctra works
Enterprise defines policy
Merchant, amount, MCC, frequency rules
Agent uses instrument
Virtual card or token initiates spend
Auctra evaluates
Policy check runs at authorization time
Decision returned
Approve or decline with reason code
Issuer completes auth
Network authorization follows decision
Roll out safely with Observe mode
Start in Observe to see exactly what your policies would do — without blocking any transactions. Switch to Enforce when you're confident.
Observe
Policies are evaluated on every transaction but no block is issued. See what would have been declined — before you flip the switch.
Enforce
Auctra actively returns approve or decline decisions in real time. The issuer acts on the decision before money moves.
Simple authorization API
One endpoint. Real-time decision. Full policy context returned in the response.
Built for financial infrastructure
Not a payment processor
Auctra does not move funds or hold balances. We provide the authorization decision layer only.
< 50ms decisions
Authorization responses are returned before the issuer needs to act. No added latency in the auth flow.
Fail-open by design
If Auctra is unreachable, transactions proceed normally. Zero impact on issuer uptime or cardholder experience.
Instant kill switch
Disable any agent, instrument, or policy immediately. Changes propagate to the authorization layer in real time.
Full audit trail
Every decision logged with reason codes, policy version, all evaluated checks, and a microsecond timestamp.
Policy-scoped instruments
Each card or token is bound to a specific policy set. Instruments without a policy cannot authorize spend.
AI agent managing SaaS subscriptions
Define limits per merchant, restrict categories, and enforce spending caps — all before the transaction is approved.
Why platforms choose us
Authorization-time enforcement
Simple REST API integration
Zero impact on user experience
Ready to enable secure automated spending?
Let's discuss how mandate-based spend control can work for your platform
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