Create Payment Credential

Create Payment Credential

Use Link to get one-time-use payment credentials for the user's purchase. Call this extension's native tools with their discovered mount prefix, such as link__create_spend_request. Tool schemas are the reference for input names and constraints. Pass structured arguments, not command strings.

The tools support card credentials, Shared Payment Tokens (SPTs), and merchant-bound Link Pay Token (LPT) requests.

Core flow

1. Confirm the wallet and any verification requirements.
2. Confirm the spend-request inputs.
3. Confirm the payment method and shipping details if needed.
4. Create the spend request and obtain approval.
5. Retrieve the approved credential.

1. Confirm the wallet

Link tools use the wallet configured by the application. If a tool prompts for Eve authorization, let the user finish it so the call can resume. Do not ask for tokens in chat. If authorization fails or is denied, explain the result and stop.

Call retrieve_user_info with {} when you need to confirm the connected user, spend limits, balance eligibility, or verification requirements. If agent_wallet_verification_requirement.action_url is present, show the user the required action. Finite spend-limit values are cents; a returned null limit means unlimited. Missing fields do not establish unlimited access or completed verification.

2. Confirm the spend-request inputs

Use confirmed purchase details from the user or existing task context: the final total including taxes and shipping, items, quantities, and delivery choices. Ask for missing details before creating a request. Describe the actual purchase in context; the user reads it when approving. It must be at least 100 characters.

Use the credential type established by those purchase details:

Never invent a network_id or merchant_account_id. For LPT, omit merchant name/URL, network ID, and test mode; Link resolves the merchant identity for approval. If the required ID is unavailable, ask for it before proceeding.

3. Payment method and shipping

Omit payment_details to use the wallet's default payment method. If the user requests a particular card or bank, call list_payment_methods with {} and use the selected method's ID as payment_details. The response may include only payment methods available for agentic purchases.

Call list_shipping_addresses with {} if checkout requires delivery details. Use the default address unless the user specifies another. Show only the address detail needed for confirmation.

4. Create and approve the spend request

For a normal card checkout, call create_spend_request with arguments like:

{
  "credential_type": "card",
  "amount": 4200,
  "currency": "usd",
  "merchant_name": "Example Shop",
  "merchant_url": "https://shop.example/checkout",
  "context": "Purchase the blue notebook selected by the user from Example Shop, including the confirmed shipping and tax in the final total.",
  "line_items": [{ "name": "Blue notebook", "unit_amount": 4200, "quantity": 1 }],
  "totals": [{ "type": "total", "display_text": "Total", "amount": 4200 }]
}

Replace the example values with the verified checkout details. line_items and totals are arrays; use the discovered schema for their supported fields. For an SPT, provide network_id and omit merchant_name and merchant_url. For LPT, use the bound-request inputs above.

Currency: Spend requests can be in any supported currency. Pass currency as a 3-letter ISO 4217 code (e.g. usd, eur, gbp); it defaults to usd. Use the currency the merchant's checkout charges in rather than converting prices yourself. If the currency is not supported, the API rejects the request.

Amounts (amount, unit_amount, and totals amounts) are integers in the currency's smallest unit (e.g. cents): 4200 is $42.00 USD or €42.00 EUR. Some currencies have no minor unit, so 4200 in jpy is ¥4,200.

By default, Eve asks for user approval before create_spend_request; follow the application's configured approval policy. Link's purchase authorization is separate. Leave request_approval at its default, true, and present the returned approval_url. Creation returns immediately.

Use request_approval: false only to prepare a draft. Later call request_spend_approval with { "id": "<spend_request_id>" }. Deferring the approval request never authorizes a purchase.

Call retrieve_spend_request with the same id to check status. A created or pending_approval request is not approved. Space out checks while the user acts; stop on denial, expiry, or cancellation. Do not keep raising new requests when the user has not approved the existing one.

For requires_action, read status_details.requires_action.next_action. Show its display_message and action_url, then follow resolution:

• auto_resume: let the user complete the action and retrieve the same request again. Do not create a replacement just because an action is pending.
• create_new_spend_request or create_new_spend_request_after_completion: have the user complete the indicated action, then create a new request.

Use list_spend_requests to find existing requests; include_history: true includes expired and terminal requests. Use update_spend_request with its id to correct a request when its status permits, or cancel_spend_request to abandon one. Check the returned status after an update.

Reuse an idempotency_key only for the same logical creation. Use test: true only for an explicitly requested test flow; LPT does not support test mode. Optional metadata is a string-to-string object: at most 50 entries, keys up to 40 characters, values up to 500 characters.