Understanding human morality is of major interest across the cognitive and behavioral sciences. Empirical approaches often focus on two theories from moral philosophy — consequentialism and deontology —, explaining moral cognition by appealing to either calculation of consequences, adherence to rules, or both. By contrast, a third influential philosophical tradition — contractualism — has received little empirical investigation. According to contractualism, ethics is a matter of forming, adhering to, and enforcing (hypothetical) agreements. Drawing upon virtual bargaining — a recent psychological proposal that models social interactions in contractualist terms — we investigate moral contractualism in five preregistered online experiments (n = 3,636). We find that characteristically contractualist concerns (e.g., agreement, consent, mutual interests) heavily shape incentivized decisions in a new experimental game designed to split apart contractualism from consequentialism and deontology. Moreover, they influence moral judgments in three distinct settings. Contractualist reasoning may play a central role in human morality.