# SpendPermit: Real Scenarios / 真实场景

[Project home / 项目首页](../README.md) ·
[English guide](USAGE.en.md) · [中文指南](USAGE.zh-CN.md) ·
[Open SpendPermit / 打开 SpendPermit](https://sp.gdlg.ai/individual-card)

## English

### The customer job

SpendPermit is useful when an approved business user needs one online purchase, knows
the safe maximum, but cannot know the merchant's exact final capture in advance.
An AI Agent can prepare and monitor the order without receiving a reusable card
or any payment-platform credential.

The job is not “create a virtual card.” The job is:

> Complete one bounded business purchase without exposing a reusable payment
> method, while preserving a reviewed path for provably unused principal.

### Scenario A: tax is unknown

An Agent selects a USD 68 software license. The final tax depends on the billing
location, so the exact checkout amount is not known until the merchant submits
the authorization.

1. The user chooses a USD 100 maximum.
2. SpendPermit quotes the hosted payment total. At the current 1.05 multiplier, this is
   USD 105.
3. The user pays personally; the Agent receives no payment credentials.
4. SpendPermit prepares a USD 100 card for one authorization attempt.
5. The merchant settles USD 70 including tax.
6. At the original 24-hour review point, SpendPermit verifies that the card is closed,
   no authorization is pending, and net settled spend is USD 70.
7. Unused principal is USD 30. The standard reviewed refund is USD 28 after the
   USD 2 issuance cost. The original USD 5 processing charge is not refunded.

The user could choose a safe maximum without permanently losing the entire
unused USD 30. The refund is still reviewed, delayed, and returned only to the
original payment method.

### Scenario B: shipping changes the total

An approved business purchaser knows that equipment costs about USD 80, but the
merchant calculates shipping only at final checkout. A USD 100 maximum lets the
Agent finish the prepared order without receiving a general-purpose company
card. This is suitable only if the merchant performs one stable authorization
and capture.

### Scenario C: a one-off digital purchase

An Agent needs one project asset, data package, or non-recurring software item.
The purchase has a clear business purpose, the merchant accepts one card
authorization, and the user values a hard maximum more than a reusable balance.

### Scenario D: a bounded 24-hour purchase session

When `capabilities` lists `SESSION_24H`, an approved procurement task may need
more than one merchant attempt during the same day. The card may remain usable
within one cumulative maximum until its absolute 24-hour expiry. This mode is
not a weekly, monthly, reloadable, or unrestricted company card.

### What this product deliberately does not solve

- subscriptions, recurring billing, trials, or future merchant retries;
- hotels, rentals, fuel pumps, deposits, tips, or incremental authorizations;
- split shipments or one order that creates multiple card authorizations;
- multiple purchases or a reusable wallet balance;
- personal, family, or household spending;
- anonymous payment, KYC avoidance, sanctions avoidance, or merchant-control
  circumvention;
- immediate or guaranteed refund of every unused dollar.

### Five questions before using SpendPermit

1. Is this an authorized business purchase?
2. Does the selected single-use or enabled 24-hour session policy fit the merchant?
3. Is USD 25-100 a useful maximum for the task?
4. Can the user complete the hosted payment personally and use the card within
   24 hours?
5. Does the user accept the quoted processing charge, USD 2 standard issuance
   cost, and reviewed rather than immediate refund?

If any answer is no, do not create a SpendPermit checkout.

## 中文

### 客户真正要完成的任务

SpendPermit 适用于获批准的商业用户：他需要完成一笔线上采购，知道自己愿意承担的最高
预算，但无法提前知道商户最终 Capture 的准确金额。AI Agent 可以准备和跟踪订单，
却不需要取得一张长期银行卡或任何支付平台凭证。

真正的需求不是“生成一张虚拟卡”，而是：

> 在不暴露长期支付方式的情况下完成一笔封顶商业采购，同时为可证明未使用的
> 本金保留一条审核退款路径。

### 场景 A：税费尚未确定

Agent 选中一项 USD 68 的软件许可，但最终税费取决于账单地区，必须等商户发起
授权时才能知道准确金额。

1. 用户选择 USD 100 作为最高预算。
2. SpendPermit 返回托管支付报价。按当前 `1.05` 系数，应付 USD 105。
3. 用户本人完成付款；Agent 不接触支付凭证。
4. SpendPermit 准备一张 USD 100、仅允许一次授权尝试的卡。
5. 商户含税最终结算 USD 70。
6. 到原始 24 小时审核点，SpendPermit 确认卡已关闭、没有待处理授权，净结算消费为
   USD 70。
7. 未使用本金为 USD 30。扣除 USD 2 发卡成本后，标准审核退款为 USD 28；
   原 USD 5 支付处理费不退。

用户可以选择一个安全的最高预算，而不必永久损失全部 USD 30 剩余本金。退款
仍然需要审核、不会即时完成，并且只能退回原付款方式。

### 场景 B：运费会改变总价

获批准的企业采购人知道设备约为 USD 80，但商户只在最后结账时计算运费。
USD 100 的最高预算让 Agent 可以完成已经准备好的订单，却不需要取得企业的
通用银行卡。前提是商户只进行一次稳定的授权与结算。

### 场景 C：一次性数字采购

Agent 需要购买一项项目素材、数据包或非订阅软件。采购具有明确商业用途，商户
接受一次卡片授权，而且用户更需要硬性最高预算，而不是可重复使用的余额。

### 场景 D：有明确上限的 24 小时采购会话

只有 `capabilities` 返回 `SESSION_24H` 时，获批准的采购任务才可以在同一天进行
多次商户尝试。所有尝试共享一个累计最高额度，并在绝对 24 小时到期点关闭；
它不是周卡、月卡、可充值卡或无限制企业卡。

### 本产品明确不解决什么

- 订阅、周期扣款、试用或未来商户重试；
- 酒店、租车、加油站、押金、小费或增量授权；
- 分批发货，或一张订单会产生多次卡片授权；
- 多笔消费或可反复使用的钱包余额；
- 个人、家庭或日常消费；
- 匿名付款、规避 KYC、规避制裁或绕过商户控制；
- 即时或无条件退回每一美元未用金额。

### 使用前回答五个问题

1. 这是不是一笔获得授权的商业采购？
2. 所选择的一次性或已开放的 24 小时会话策略是否适合该商户？
3. USD 25 至 USD 100 是不是适合这项任务的最高预算？
4. 用户能否亲自完成托管付款，并在 24 小时内使用卡片？
5. 用户是否接受服务端报价、USD 2 标准发卡成本，以及审核而不是即时退款？

只要有一项答案是否定的，就不要创建 SpendPermit Checkout。

## Controlled beta / 受控测试

This repository currently supports a controlled business beta. Product access,
merchant category, payment acceptance, and refund remain subject to SpendPermit review
and applicable service rules.

本仓库目前用于受控商业测试。产品资格、商户类型、付款接受和退款都仍需遵守
SpendPermit 审核及适用的服务规则。