Mastercard Agent Pay (agentic payments)
by Mastercard
Agent Pay is Mastercard's infrastructure for agentic commerce, where AI agents discover and pay for goods on a user's behalf. It was announced in April 2025, and the product page shows partners including Microsoft and Copilot, PayPal, IBM, Adyen, Crossmint and others. Stated controls: 'Know your agent' (only registered agents can transact, governed and traceable with Mastercard network tokens), 'Verifiable intent' (every transaction verified by authenticated user intent and explicit consent before an action is taken), interface standards for data exchange between agents and merchants, and Agent Pay for Machines (trusted devices and AI agents initiating payments for users and businesses). Rated high because the product lets autonomous agents initiate real payments. The controls are vendor-described and were not independently verified, and the page gives no detail on spending limits, revocation of consent, how agents are vetted for registration, dispute handling and liability when an agent errs or is manipulated, or which partner platforms receive which data. No Agent Pay terms or technical specification were found in the pages read.
Transparency Score
Weighted across four pillars · updated October 9, 2026
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1 considerations identified
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