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Create a payment

Send money to an agent, email, phone number, or Natural party ID

Send money to an agent, email, phone number, or Natural party ID. For new parties, Natural creates a payment link, delivers the link by email or SMS, and onboards the new party.

Every call is shown five ways — MCP, Python, TypeScript, CLI, and cURL. The MCP tab is the natural-language prompt you’d give an AI agent.

1. Get your API key

Sign up at natural.co/signup (Google OAuth, email/password, or phone) and complete identity verification — KYC for individuals, KYB for businesses. See compliance for details.

Then create a developer API key in the dashboard. It’s shown once — store it in a secret manager and never in version control.

export NATURAL_API_TOKEN=sk_ntl_prod_abc123...

Connect to MCP, CLI, or SDK. For first time users, we recommend connecting over MCP.

claude mcp add --transport http natural https://mcp.natural.co \
  --header "Authorization: Bearer $NATURAL_API_TOKEN"

2. Create an agent

Agents execute transactions. Create one in the Agents tab of the dashboard, or:

Create an agent called "Carrier Payment Agent" for paying delivery carriers.

The response includes the agent’s id (agt_*) — store it to associate your agent for future requests.

3. Connect a bank account and fund your wallet

Fund your wallet from a linked bank account so your agent can transact autonomously.

Connect a bank account

Link a bank account from the Wallet tab of your dashboard — Natural connects it securely through Plaid. Once linked, list your external accounts to get the eac_* ID to deposit from:

List my linked bank accounts.

Fund your wallet

Pull funds from the linked account into your wallet:

Deposit $50,000 into my wallet from my linked bank account.

Confirm the funds landed before paying. Each wallet’s balance.available is the spendable balance after pending holds:

What's my wallet's available balance?

4. Send the payment

Using my Carrier Payment Agent, pay terri@contractor.com $5,000 for Q4 development work.

5. Track the payment

Use the transaction’s txn_* ID to check status:

Check the status of transaction txn_1a2b3c4d5e6f7g8h9i0j1k2l3m4n5o6p.

Next steps