Payments & settlement

OpenAI's checkout specification within the Agentic Commerce Protocol (ACP): how an agent completes a purchase with a merchant on the user's behalf.

Open protocol from OpenAI and Stripe that lets businesses expose products and checkout to AI agents while remaining merchant of record. Not IBM's Agent Communication Protocol.

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.

UCP payment handlers that let shoppers pay during agent checkout: Google Pay with Google Wallet on Gemini and AI Mode, and Shop Pay on UCP-compatible platforms.

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).

Stripe machine payments let agents pay for APIs and services programmatically via MPP or x402, settling to the seller's Stripe balance.

Stripe Shared Payment Tokens are scoped payment credentials that let agents make purchases with a customer's payment method, within usage and expiry limits.

Universal Commerce Protocol: an open standard for agents to transact with businesses, from catalog to checkout and orders. Started in retail; lodging and food specs are in development.

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.

Protocol for agents to pay per request over HTTP 402. Created by Coinbase; stewarded by the Linux Foundation's x402 Foundation since Apr 2026, with backers including Google, Visa and Stripe.

Shopify's Shop Pay payment handler for UCP, letting merchants offer Shop Pay checkout with saved buyer details through UCP-compatible AI platforms.

Visa developer APIs for agent commerce: issuing agent-specific card tokens, setting spending controls, user passkey authentication and retrieving payment credentials for purchases.