Agentic Commerce and Payments

Agentic commerce is an AI agent shopping and paying on a person's behalf: the agent finds the item, builds the cart and pays, while the card network checks the agent was authorized and stayed within the buyer's limits. Checkout, cards and fraud rules all assumed a human. In 2025 OpenAI and Stripe released the Agentic Commerce Protocol and Google announced the Agent Payments Protocol. Example: ChatGPT's Instant Checkout buying an Etsy item.

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Key terms

Agentic Commerce Protocol (ACP)Agent Payments Protocol (AP2)Agentic tokensMandatesDelegated paymentAgent verification

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Where you meet it in the real world

Instant Checkout in ChatGPT, agent-ready checkouts on Stripe and Shopify, travel and grocery reordering agents, B2B procurement agents

Videos

▶ Buy it in ChatGPT: Instant Checkout and the Agentic Commerce Protocol ↗

OpenAI · YouTube

▶ Becoming agent ready with the Agentic Commerce Protocol (ACP) ↗

Stripe Developers · YouTube

▶ Visa Intelligent Commerce: Building Trust for the Future of Agentic Commerce ↗