Agent-initiated card payments and tokenization
Issuer banks, acquirers and networks need verified agent authority, token issuance, risk controls and dispute information for AI-initiated purchases.
Executive question
Can our payment credentials and authorization systems handle legitimate agent-initiated transactions?
What to measure
- Authorized payment success / decline
- Credential token provisioning and spend limits
- Disputes, merchant acceptance, fraud false positives
Relevant products and standards
Agent Payments Protocol: signed mandates that prove a customer authorized an agent's purchase. Created by Google (Sep 2025); donated to the FIDO Alliance with v0.2 on 28 Apr 2026.
Mastercard's agentic payments program using Agentic Tokens. Announced Apr 2025; enabled for US cardholders by late 2025; live test transactions with 17 Latin American issuers and processors (Mar 2026).
Agent Ready lets Braintree merchants accept payments from AI shopping assistants in ChatGPT (via ACP) and Google AI Mode and Gemini (via UCP).
Visa's program for agent-initiated card payments: agent tokens, the Trusted Agent Protocol and the Agentic Ready issuer program. Live in the US and Europe; expanding in Asia-Pacific and Latin America.
Relevant examples, not documented integrations, completeness, certification or endorsement. Listed alphabetically.
Evidence and current limits
Real BBVA/Visa transaction demonstrated; broad rollout varies.
Research candidate — reviewer approval required