> ## Documentation Index
> Fetch the complete documentation index at: https://docs.reap.global/llms.txt
> Use this file to discover all available pages before exploring further.

# How Agentic Payment Works

> The full journey from platform registration to the verified order

Registration happens once at the platform level, setup once per user, and the purchase flow repeats for every order. A single recurring mandate covers all subsequent cycles.

## Three phases

<Steps>
  <Step title="Agent registration happens once at platform level" icon="id-badge">
    Reap registers the agent execution identity with the relevant agent registry and enrols it in the applicable trusted agent protocol before any user session begins. Every client inherits this registration automatically, with no integration work or user action required.
  </Step>

  <Step title="Setup happens once per user" icon="user-check">
    The user connects an account, enrols the card into a PCI compliant vault and creates the payment passkey in one secure surface session. The [setup guide](/agentic-payment/setup) walks this journey.
  </Step>

  <Step title="The purchase loop repeats for every order" icon="rotate">
    The agent quotes the item, the user approves a mandate with one passkey tap and Reap executes the checkout through to the verified order.
  </Step>
</Steps>

<Note>
  This capability currently supports Reap Card and Visa cards. Support for additional card types and networks may be introduced in the future.
</Note>

## The purchase path

```mermaid theme={null}
flowchart LR
    A["User request<br/>in chat"] --> B["Checkout<br/>quote"]
    B --> C["Passkey mandate<br/>approval"]
    C --> D["Checkout<br/>execution"]
    D -->|"No challenge"| F["Verified<br/>order"]
    D -->|"Challenge fires"| E["In chat approval<br/>within five minutes"]
    E --> F
```

## Inside the purchase loop

* The agent finds the item through your product discovery and `POST /quotes` opens the merchant checkout with a priced proposal and a quote reference
* The user approves the cap, merchant and validity with a passkey biometric and `POST /mandates` captures the signed approval
* Reap runs the real checkout with `POST /checkouts`, reconciles the live total against the quote before any charge and pays with a single use network token
* Reap relays an occasional issuer challenge for an in chat approval and most purchases do not require this step
* Reap verifies the order against the card authorisation on its own rails and the agent confirms it back to the user

## The machinery behind the flow

<AccordionGroup>
  <Accordion title="The endpoints" icon="plug">
    * [`POST /users/`](https://docs.reap.global/api-reference/users/create-user) registers the end user and records terms acceptance
    * [`POST /users/id/application`](https://docs.reap.global/api-reference/users/advance-the-user-application) advances identity verification with the configured method
    * [`POST /accounts/`](https://docs.reap.global/api-reference/accounts/create-account) creates the account once verification is approved
    * `POST /agentic/enrolments` opens the secure surface session that vaults the card, provisions the network token and binds the payment passkey
    * `POST /quotes` opens the merchant checkout for the chosen item and returns the priced proposal
    * `POST /mandates` creates the mandate and triggers the passkey approval on the secure surface
    * `POST /checkouts` runs the checkout from the quote reference and the mandate
    * `POST /checkouts/id/escalation/respond` relays the user response to the card issuer when a challenge fires
    * `GET /orders/id` returns the verified order with the full record of consent evidence, mandate, credential lifecycle, order and authorisation
  </Accordion>

  <Accordion title="The webhook events" icon="bell">
    * [`user-application-status-updated`](https://docs.reap.global/api-reference/user-application-status-updated) fires when the verification status changes
    * `enrolment-completed` fires when the card is vaulted, the network token is provisioned and the passkey is created
    * `mandate-approved` fires when the passkey approval is captured and the mandate becomes active
    * `checkout-completed` fires when the order is placed and the merchant order reference is returned
    * `checkout-escalated` fires when a challenge needs the user and the checkout pauses
    * `order-completed` fires when the order is verified and matched to the authorisation event on the Reap rails
  </Accordion>
</AccordionGroup>

<Note>
  These guides stay at the level of names and purpose. Field level detail belongs to the API Reference.
</Note>

## Next steps

<CardGroup cols={3}>
  <Card title="Set up a user" icon="user-check" href="/agentic-payment/setup">
    Connect the account, enrol the card and create the passkey
  </Card>

  <Card title="Make a one time purchase" icon="shopping-bag" href="/agentic-payment/one-time-purchases">
    One quote, one passkey tap and one verified order
  </Card>

  <Card title="Set up recurring purchases" icon="repeat" href="/agentic-payment/recurring-purchases">
    One approval that stands for every later cycle
  </Card>
</CardGroup>