Media spend that respects
the cap — and the brand.

Google Ads documents that daily budgets can over-deliver by up to 2× on any given day. Meta has similar over-delivery behavior. TikTok's pacing algorithm can spike spend in the last hour of a day to hit pacing targets. The 'budget' you set in each platform's UI is a guideline to the platform's bidder, not a hard cap on what gets billed to your card.

AgentWallet's per-platform virtual card is the hard cap. The card is configured to refuse authorization above your real daily limit. If Google's algorithm tries to over-deliver, the over-delivery auth is declined by the card network; the campaign throttles. You set the limit once; the card enforces it for every charge, all day, every day, without any cron job or budget-watcher script.

The hardest reconciliation problem in media buying is per-campaign cost across heterogeneous platforms. Google reports its way, Meta reports its way, TikTok exports differently. The result is that 'how much did our July product launch cost' is a 3-day analyst project that pulls from 8 sources and rarely agrees with the credit-card statement.

AgentWallet collapses this. The media-buying agent tags every invocation with the campaign_id; every charge across every platform carries that ID as its trace. One SQL query against the AgentWallet ledger produces total spend for the campaign, broken out by platform, day, creative variant. The number agrees with finance's view of the card statements, because it is the card statement.

A common failure mode: a platform's auto-renew or auto-bid loop fails and starts retrying every 30 seconds. With a $20k daily cap, the platform can burn $20k in a few minutes if the rate is uncontrolled. AgentWallet's charge-rate cap (default 12 charges/hour per card) catches this within minutes — the 13th charge in an hour is refused at the network, the card auto-freezes, you're paged.

This is invisible to the ad platform — they see your card refusing and back off — but it's the difference between catching the runaway in minutes versus catching it at the next morning's standup.

Working with an agency historically meant either putting your card on their account (and losing visibility and control) or having the agency front the spend and invoice you (and dealing with rebates, FX, and a multi-week reconciliation lag). AgentWallet lets you issue a per-platform card directly to the agency: they use it; you own the cap, the trace, the ledger.

End-of-quarter reconciliation against the agency's invoice is a CSV diff. Discrepancies surface immediately (down to the campaign and day). Agencies that resist this are usually the agencies you should not be working with.