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ActOnce Spend Gateway vs Onlay

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

ActOnce Spend Gateway compared with Onlay
DetailActOnce Spend Gateway logo ActOnce Spend GatewayOnlay logo Onlay
What it doesPolicy-driven spending controls for AI agents Publish documents for feedback, pull edits and comments back into your agent
StageNot given Not given
FoundedNot given Not given
Based inNot given GB
Pricing modelFreemium Not given
PricingFree: $0/month (open source, self-hosted). Pro: $24/month with hosted dashboard, 3 agents, 1,000 spend checks/month. Team: $99/month with 10 agents, 10,000 checks/month, team approvals. Business: $299/month with unlimited agents and checks. Free plan: $0, up to five active documents, documents up to 4 MB, 1 GB storage, last ten versions restorable, invite up to ten people per document. Pro plan: $10 USD per month (billed as $120 per year) or $12 USD per month (billed monthly), unlimited active documents, documents up to 16 MB, 50 GB st
Key features
  • Policy Engine with YAML configuration for amount limits, merchant allowlists, category blocks, business hours, and duplicate windows
  • Duplicate Detection using SQLite to prevent the same purchase twice within a configurable time window
  • Human-in-the-Loop approval with Telegram alerts and dashboard queue for purchases exceeding threshold
  • MCP-Native integration for OpenClaw, Hermes, and any MCP-compatible agent
  • Zero Credential Exposure with no access to cards, tokens, or Stripe credentials
  • Local-first architecture with all policy files, logs, and databases stored on your machine
  • Dry-run and simulation mode for testing policies before deployment
  • Publish HTML or Markdown files with shareable links
  • Readers can leave comments and edit text with author permission
  • Pull edits and comments back as structured data
  • MCP server for agents without file or command access
  • Custom share links with passwords and expiry dates on Pro
  • Version history with restore capability
  • Publish entire folders as sites on Pro plan
  • Connect to external APIs and embed sites on Pro
What makes it different
  • Policy-driven rules that the agent cannot override, unlike prompt-based guardrails
  • Zero credential exposure means the gateway never sees payment cards or API keys
  • Duplicate detection with SQLite prevents duplicate purchases within a configurable time window
  • Native MCP integration works out of the box with OpenClaw, Hermes, Claude Code, and Cursor
  • Documents stay active at stable links across multiple published versions
  • Works natively with AI coding agents without requiring manual context management
  • CLI does not require Node, Python or other runtime dependencies
  • Screenshots in comments are listed by ID and only fetched on request
Community votes00
DR (Domain Rating by Ahrefs)23 +1 (up) since last checkNot checked yet no change since last check
Trust Flow (Majestic)60
Citation Flow (Majestic)190
Referring domains (Majestic)120

4 details filled in for both companies.

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