This article explores the concept of agentic commerce, where AI software can make payments on users' behalf. It discusses the implications of this technology, including potential benefits and new fraud challenges, as major payment networks like Mastercard and Visa start to embrace it.

Worldpay is enhancing the checkout process for merchants by backing the Agentic Commerce Protocol. This initiative aims to simplify integration with new payment frameworks, allowing merchants to onboard easily and improve consumer experiences in a rapidly changing marketplace.

This article explores Adyen's approach to agentic commerce, emphasizing a "merchant-first" framework. Key principles include ensuring AI agents act on behalf of real customers, allowing merchants to maintain control over payment setups, and preserving customer relationships and data ownership.

FIS has introduced a new platform that enables banks to engage in agentic commerce, allowing transactions initiated by AI agents. This service, developed in collaboration with Mastercard and Visa, aims to enhance security and streamline payment processes while reducing fraud. It will be available to FIS bank clients by the end of Q1 2026.

ChatGPT introduces Instant Checkout, allowing users to purchase products directly within the chat interface. The Agentic Commerce Protocol facilitates seamless transactions while keeping merchants in control of customer relationships and payment processing. This innovation aims to enhance the shopping experience by blending AI assistance with e-commerce.

PayOS and Mastercard have successfully completed a milestone agentic payment transaction using the Mastercard Agent Pay platform and its tokenization technology. This advancement enhances user consent, authentication, and fraud protection, paving the way for the future of agentic commerce and improved user experiences.

PayOS has successfully completed a significant agentic payment transaction using a Mastercard Agentic Token, marking a major step in the evolution of agentic commerce. The platform focuses on providing secure AI-driven transactions, enhanced user experiences, and better fraud prevention, while onboarding customers to leverage its advanced payment capabilities. Mastercard supports this initiative by building a secure ecosystem for digital commerce through tokenization technology.

The article explores the concept of agentic commerce, which posits that traditional apps are becoming obsolete as AI and conversational interfaces take over, streamlining the user experience. It discusses how this shift will fundamentally change payments and merchant interactions, emphasizing the need for businesses to adapt to AI-driven recommendations and new payment models.