{
 "title": "Matrix names",
 "edition": "2026-11-04",
 "publisher": "Agent Ready Checkout",
 "url": "https://agentreadycheckout.com/matrix",
 "protocols": [
  {
   "id": "acp",
   "name": "Agentic Commerce Protocol (ACP)",
   "short": "ACP",
   "operator": "OpenAI, Stripe and Meta (lead maintainers)",
   "homepage": "https://www.agenticcommerce.dev/",
   "one_line": "An Apache 2.0 checkout protocol between an AI agent, a merchant and a payment provider; first shipped in ChatGPT Instant Checkout on 29 Sep 2025 and now used mainly for product feeds in ChatGPT.",
   "url": "https://agentreadycheckout.com/protocols/acp"
  },
  {
   "id": "ucp",
   "name": "Universal Commerce Protocol (UCP)",
   "short": "UCP",
   "operator": "UCP Tech Council (Google, Shopify, Etsy, Target, Wayfair, Amazon, Meta, Microsoft, Salesforce, Stripe and others)",
   "homepage": "https://ucp.dev/",
   "one_line": "An Apache 2.0 protocol for discovery, cart, checkout and orders between agents and businesses, announced by Google and Shopify in January 2026; powers checkout in Google AI Mode and Gemini and Microsoft Copilot onboarding.",
   "url": "https://agentreadycheckout.com/protocols/ucp"
  },
  {
   "id": "ap2",
   "name": "Agent Payments Protocol (AP2)",
   "short": "AP2",
   "operator": "FIDO Alliance (donated by Google, April 2026)",
   "homepage": "https://ap2-protocol.org/",
   "one_line": "A mandate-based protocol in which signed verifiable credentials record what the user authorised, giving issuers, merchants and networks an audit trail for human-present and human-not-present agent payments.",
   "url": "https://agentreadycheckout.com/protocols/ap2"
  },
  {
   "id": "visa-trusted-agent-protocol",
   "name": "Visa Trusted Agent Protocol (TAP)",
   "short": "Visa TAP",
   "operator": "Visa",
   "homepage": "https://github.com/visa/trusted-agent-protocol",
   "one_line": "Visa's agent identity scheme: an agent signs each HTTP request with HTTP Message Signatures (Web Bot Auth) so a merchant or its CDN can tell a registered agent from a bot and receive consented user and payment identifiers.",
   "url": "https://agentreadycheckout.com/protocols/visa-trusted-agent-protocol"
  },
  {
   "id": "visa-intelligent-commerce",
   "name": "Visa Intelligent Commerce (incl. Intelligent Commerce Connect)",
   "short": "Visa IC",
   "operator": "Visa",
   "homepage": "https://www.visa.com/en-us/solutions/intelligent-commerce",
   "one_line": "Visa's program for agent payments: tokenised credentials for agents, cardholder-defined payment instructions, and since April 2026 Intelligent Commerce Connect, a single acceptance integration for TAP, MPP, ACP and UCP traffic.",
   "url": "https://agentreadycheckout.com/protocols/visa-intelligent-commerce"
  },
  {
   "id": "mastercard-agent-pay",
   "name": "Mastercard Agent Pay",
   "short": "Mastercard Agent Pay",
   "operator": "Mastercard",
   "homepage": "https://www.mastercard.com/us/en/business/artificial-intelligence/mastercard-agent-pay.html",
   "one_line": "Mastercard's agentic payments program: registered agents transact with Mastercard agentic tokens, merchants verify agents through Web Bot Auth at the CDN, and since 30 Sep 2026 issuers can test a probability score for AI-initiated transactions.",
   "url": "https://agentreadycheckout.com/protocols/mastercard-agent-pay"
  },
  {
   "id": "agent-pay-for-machines",
   "name": "Mastercard Agent Pay for Machines (AP4M)",
   "short": "Agent Pay for Machines",
   "operator": "Mastercard",
   "homepage": "https://ap4m.build/info",
   "one_line": "Mastercard's machine-to-machine payment service for agents buying digital services, built on x402 with MPP compatibility, settling across cards, accounts and stablecoins; Early Access opened 20 Oct 2026.",
   "url": "https://agentreadycheckout.com/protocols/agent-pay-for-machines"
  },
  {
   "id": "amex-ace",
   "name": "American Express Agentic Commerce Experiences (ACE)",
   "short": "Amex ACE",
   "operator": "American Express",
   "homepage": "https://www.americanexpress.com/en-us/company/agentic-commerce/",
   "one_line": "American Express's developer kit for agent payments (agent registration, account enablement, intent, payment credentials, cart context), with Amex Agent Purchase Protection announced for agent errors.",
   "url": "https://agentreadycheckout.com/protocols/amex-ace"
  },
  {
   "id": "x402",
   "name": "x402",
   "short": "x402",
   "operator": "x402 Foundation (Linux Foundation)",
   "homepage": "https://www.x402.org/",
   "one_line": "An HTTP 402 payment protocol: a server answers 402 with payment requirements, the client pays (mostly stablecoins on EVM chains and Solana, Lightning since Sep 2026) and retries; governed by the x402 Foundation.",
   "url": "https://agentreadycheckout.com/protocols/x402"
  },
  {
   "id": "mpp",
   "name": "Machine Payments Protocol (MPP)",
   "short": "MPP",
   "operator": "Tempo and Stripe",
   "homepage": "https://mpp.dev/",
   "one_line": "An HTTP 402 protocol co-authored by Tempo and Stripe with challenge, credential and receipt messages and one-time, session and subscription intents, settling on Tempo stablecoins, Stripe tokens, cards or Lightning.",
   "url": "https://agentreadycheckout.com/protocols/mpp"
  },
  {
   "id": "stripe-link-for-agents",
   "name": "Stripe Link for agents (Link Agent Wallet)",
   "short": "Link for agents",
   "operator": "Stripe",
   "homepage": "https://docs.stripe.com/agentic-commerce/agents/link-agent-wallet",
   "one_line": "Stripe's consumer wallet exposed to agents: the agent creates a spend request, the user approves it, and Link returns a one-time credential or a saved Link payment at Link merchants; Meta Muse uses it.",
   "url": "https://agentreadycheckout.com/protocols/stripe-link-for-agents"
  },
  {
   "id": "verifiable-intent",
   "name": "Verifiable Intent (VI)",
   "short": "Verifiable Intent",
   "operator": "Mastercard, with Google; contributed to FIDO Alliance",
   "homepage": "https://verifiableintent.dev/",
   "one_line": "An open SD-JWT credential format that chains credential provider, user and agent, binding user constraints (amount, merchants, items) so every party can prove what the agent was allowed to buy.",
   "url": "https://agentreadycheckout.com/protocols/verifiable-intent"
  }
 ],
 "columns": [
  {
   "id": "stripe",
   "name": "Stripe",
   "short": "Stripe",
   "group": "processor",
   "operator": "Stripe, Inc.",
   "homepage": "https://stripe.com",
   "one_line": "Processor and co-author of ACP and MPP. Sells to agents through Agentic Commerce Suite with Shared Payment Tokens, takes x402 and MPP machine payments, and runs Link Agent Wallet for agent builders.",
   "url": "https://agentreadycheckout.com/processors/stripe"
  },
  {
   "id": "adyen-agentic",
   "name": "Adyen Agentic",
   "short": "Adyen",
   "group": "processor",
   "operator": "Adyen N.V.",
   "homepage": "https://www.adyen.com/agentic-commerce",
   "one_line": "Adyen's modular agentic commerce APIs (Agentic Feed, Agentic Cart, Agentic Payments), announced 16 Jun 2026 in limited availability for US enterprise merchants, with ACP and UCP payment flows in docs.",
   "url": "https://agentreadycheckout.com/processors/adyen-agentic"
  },
  {
   "id": "paypal",
   "name": "PayPal agentic commerce services",
   "short": "PayPal",
   "group": "processor",
   "operator": "PayPal Holdings, Inc.",
   "homepage": "https://developer.paypal.com/agentic-commerce-services/about",
   "one_line": "PayPal's Agent Ready (payments from AI assistants over ACP and UCP via Braintree or PayPal Orders v2) and Store Sync (catalog distribution to AI surfaces), with access by request form.",
   "url": "https://agentreadycheckout.com/processors/paypal"
  },
  {
   "id": "checkout-com",
   "name": "Checkout.com agentic commerce",
   "short": "Checkout.com",
   "group": "processor",
   "operator": "Checkout.com",
   "homepage": "https://www.checkout.com/agentic-commerce",
   "one_line": "Checkout.com's single-integration agentic layer covering ACP, UCP, Visa Trusted Agent Protocol, AP2 and Mastercard Verifiable Intent, offered via a waitlist on its agentic commerce page.",
   "url": "https://agentreadycheckout.com/processors/checkout-com"
  },
  {
   "id": "braintree",
   "name": "Braintree (PayPal Enterprise Payments)",
   "short": "Braintree",
   "group": "processor",
   "operator": "PayPal Holdings, Inc.",
   "homepage": "https://www.braintreepayments.com",
   "one_line": "PayPal's enterprise processor, rebranded PayPal Enterprise Payments; it carries PayPal Agent Ready's ACP path (delegated tokens) and one UCP path (Google Pay handler).",
   "url": "https://agentreadycheckout.com/processors/braintree"
  },
  {
   "id": "worldpay",
   "name": "Worldpay (Global Payments)",
   "short": "Worldpay",
   "group": "processor",
   "operator": "Global Payments Inc.",
   "homepage": "https://www.worldpay.com/en/agentic-commerce",
   "one_line": "Worldpay, now part of Global Payments, positions fraud tools, credential management, agent verification and a Worldpay MCP server for agent-led purchases, and says it works across ACP and UCP.",
   "url": "https://agentreadycheckout.com/processors/worldpay"
  },
  {
   "id": "coinbase",
   "name": "Coinbase Developer Platform (x402)",
   "short": "Coinbase",
   "group": "processor",
   "operator": "Coinbase Global, Inc.",
   "homepage": "https://docs.cdp.coinbase.com/x402/welcome",
   "one_line": "Originator of x402, now under the Linux Foundation's x402 Foundation. CDP runs a hosted x402 facilitator on Base and Solana with OFAC and KYT screening and per-transaction fees.",
   "url": "https://agentreadycheckout.com/processors/coinbase"
  },
  {
   "id": "crossmint",
   "name": "Crossmint",
   "short": "Crossmint",
   "group": "processor",
   "operator": "Crossmint",
   "homepage": "https://www.crossmint.com",
   "one_line": "Agent-side payment platform: Agent Cards (vaulted cards with Visa Intelligent Commerce and Mastercard Agent Pay credentials), Agent Wallets for x402 and MPP, and Agent Checkouts on any website.",
   "url": "https://agentreadycheckout.com/processors/crossmint"
  },
  {
   "id": "skyfire",
   "name": "Skyfire",
   "short": "Skyfire",
   "group": "processor",
   "operator": "Skyfire Systems",
   "homepage": "https://skyfire.xyz",
   "one_line": "Agent identity and payments network: KYA and KYAPay tokens bind platform, agent and human principal identity to payment, with a wallet for cards and stablecoins.",
   "url": "https://agentreadycheckout.com/processors/skyfire"
  },
  {
   "id": "payos",
   "name": "PayOS",
   "short": "PayOS",
   "group": "processor",
   "operator": "PayOS",
   "homepage": "https://payos.ai",
   "one_line": "Payments data platform with PayOS Agent Tokens and PayOS Wallet: passkey-approved, scoped network tokens agents use in place of the card. PYMNTS reported on 29 Sep 2025 that PayOS completed a live Mastercard Agentic Token payment.",
   "url": "https://agentreadycheckout.com/processors/payos"
  },
  {
   "id": "shopify",
   "name": "Shopify",
   "short": "Shopify",
   "group": "platform",
   "operator": "Shopify Inc.",
   "homepage": "https://www.shopify.com",
   "one_line": "Commerce platform that co-developed UCP with Google, syndicates merchant catalogs to AI chats through Agentic Storefronts and Shopify Catalog, and exposes UCP Cart, Checkout and Order MCP servers to agents.",
   "url": "https://agentreadycheckout.com/platforms/shopify"
  },
  {
   "id": "bigcommerce",
   "name": "BigCommerce (Commerce)",
   "short": "BigCommerce",
   "group": "platform",
   "operator": "Commerce.com Inc. (Nasdaq: CMRC), parent of BigCommerce, Feedonomics and Makeswift",
   "homepage": "https://www.bigcommerce.com",
   "one_line": "Commerce platform whose parent endorsed UCP at launch; Google UCP checkout is early access via Commerce AI Labs, catalog syndication runs through Feedonomics, and Storefront MCP servers are available.",
   "url": "https://agentreadycheckout.com/platforms/bigcommerce"
  },
  {
   "id": "salesforce-commerce-cloud",
   "name": "Salesforce Agentforce Commerce (Commerce Cloud)",
   "short": "Salesforce CC",
   "group": "platform",
   "operator": "Salesforce, Inc.",
   "homepage": "https://www.salesforce.com/commerce/",
   "one_line": "Enterprise commerce platform that announced ACP Instant Checkout with Stripe and OpenAI in Oct 2025, native UCP support in Jan 2026, and lists UCP checkout on Google surfaces as GA in Oct 2026.",
   "url": "https://agentreadycheckout.com/platforms/salesforce-commerce-cloud"
  },
  {
   "id": "adobe-commerce",
   "name": "Adobe Commerce",
   "short": "Adobe Commerce",
   "group": "platform",
   "operator": "Adobe Inc.",
   "homepage": "https://business.adobe.com/products/commerce.html",
   "one_line": "Adobe's commerce platform (Magento lineage) that has committed to UCP and ACP and named itself an AP2 collaborator; as of Nov 2026 Adobe's own pages describe support as a commitment, with a Commerce MCP server shipped.",
   "url": "https://agentreadycheckout.com/platforms/adobe-commerce"
  },
  {
   "id": "commercetools",
   "name": "commercetools",
   "short": "commercetools",
   "group": "platform",
   "operator": "commercetools GmbH",
   "homepage": "https://commercetools.com",
   "one_line": "Composable commerce platform that was an ACP launch partner with Stripe and OpenAI and made its AI Hub add-on GA in July 2026, with UCP checkout in Gemini and Stripe ACS checkout.",
   "url": "https://agentreadycheckout.com/platforms/commercetools"
  },
  {
   "id": "woocommerce",
   "name": "WooCommerce",
   "short": "WooCommerce",
   "group": "platform",
   "operator": "WooCommerce Inc. (Automattic)",
   "homepage": "https://woocommerce.com",
   "one_line": "Open-source WordPress commerce plugin; its protocol status table lists MCP as beta and UCP and ACP as coming soon, while the private-beta WooCommerce AI extension can expose a store's UCP services.",
   "url": "https://agentreadycheckout.com/platforms/woocommerce"
  },
  {
   "id": "amazon",
   "name": "Amazon",
   "short": "Amazon",
   "group": "retailer",
   "operator": "Amazon.com, Inc.",
   "homepage": "https://www.aboutamazon.com",
   "one_line": "Runs its own shopping agents (Alexa for Shopping, Buy for Me) while its robots.txt disallows third-party agent user agents such as ChatGPT-User and GoogleAgent-Shopping; joined the UCP Tech Council in Apr 2026.",
   "url": "https://agentreadycheckout.com/retailers/amazon"
  },
  {
   "id": "walmart",
   "name": "Walmart",
   "short": "Walmart",
   "group": "retailer",
   "operator": "Walmart Inc.",
   "homepage": "https://corporate.walmart.com",
   "one_line": "Retailer that sold via ChatGPT Instant Checkout, built a UCP experience in Gemini, runs the Sparky assistant, and in Oct 2026 announced Agent Profiles, an MCP Agent Gateway beta and terms for AI agents.",
   "url": "https://agentreadycheckout.com/retailers/walmart"
  },
  {
   "id": "target",
   "name": "Target",
   "short": "Target",
   "group": "retailer",
   "operator": "Target Corporation",
   "homepage": "https://corporate.target.com",
   "one_line": "UCP co-developer with checkout in Google AI Mode and Gemini, an early Copilot Checkout loyalty partner, and a Target app in ChatGPT where purchases run in the Target account.",
   "url": "https://agentreadycheckout.com/retailers/target"
  },
  {
   "id": "etsy",
   "name": "Etsy",
   "short": "Etsy",
   "group": "retailer",
   "operator": "Etsy, Inc.",
   "homepage": "https://www.etsy.com",
   "one_line": "Marketplace that was an early ChatGPT Instant Checkout seller and sells some listings via guest checkout in ChatGPT, Gemini, Google AI Mode and Copilot to US shoppers.",
   "url": "https://agentreadycheckout.com/retailers/etsy"
  },
  {
   "id": "wayfair",
   "name": "Wayfair",
   "short": "Wayfair",
   "group": "retailer",
   "operator": "Wayfair Inc.",
   "homepage": "https://www.aboutwayfair.com",
   "one_line": "UCP co-developer and Tech Council member; announced UCP checkout from Google AI Mode and Gemini with Wayfair as merchant of record.",
   "url": "https://agentreadycheckout.com/retailers/wayfair"
  },
  {
   "id": "chatgpt-shopping",
   "name": "ChatGPT shopping (Instant Checkout, ACP discovery, ChatGPT agent)",
   "short": "ChatGPT",
   "group": "surface",
   "operator": "OpenAI",
   "homepage": "https://chatgpt.com/merchants/",
   "one_line": "OpenAI's shopping surface in ChatGPT. Instant Checkout launched 29 Sep 2025 on ACP; on 24 Mar 2026 OpenAI moved purchases back to merchant-owned checkout and kept ACP for product discovery feeds.",
   "url": "https://agentreadycheckout.com/surfaces/chatgpt-shopping"
  },
  {
   "id": "google-ai-mode-and-gemini-checkout",
   "name": "Google AI Mode and Gemini checkout (UCP)",
   "short": "Google AI Mode",
   "group": "surface",
   "operator": "Google",
   "homepage": "https://developers.google.com/merchant/ucp",
   "one_line": "Google's UCP-powered checkout lets shoppers buy eligible products inside AI Mode in Search and the Gemini app with Google Pay; the merchant stays merchant of record. Universal Cart launched in the US on 15 Oct 2026.",
   "url": "https://agentreadycheckout.com/surfaces/google-ai-mode-and-gemini-checkout"
  },
  {
   "id": "perplexity-shopping",
   "name": "Perplexity shopping and Comet",
   "short": "Perplexity",
   "group": "surface",
   "operator": "Perplexity AI",
   "homepage": "https://www.perplexity.ai/comet",
   "one_line": "Perplexity's answer-engine shopping with PayPal-powered Instant Buy (merchant stays MoR) and the Comet agentic browser, which won vacatur of Amazon's preliminary injunction at the Ninth Circuit on 4 Aug 2026.",
   "url": "https://agentreadycheckout.com/surfaces/perplexity-shopping"
  },
  {
   "id": "amazon-rufus-and-buy-for-me",
   "name": "Amazon Rufus, Alexa for Shopping and Buy for Me",
   "short": "Amazon Rufus",
   "group": "surface",
   "operator": "Amazon",
   "homepage": "https://www.aboutamazon.com/news/retail/alexa-for-shopping-ai-assistant",
   "one_line": "Amazon's own shopping agents: Rufus, now combined with Alexa+ as Alexa for Shopping, and Buy for Me, which checks out on third-party brand sites with the customer's card. Amazon's Agent Terms require outside agents to identify themselves.",
   "url": "https://agentreadycheckout.com/surfaces/amazon-rufus-and-buy-for-me"
  },
  {
   "id": "meta-muse",
   "name": "Meta Muse",
   "short": "Meta Muse",
   "group": "surface",
   "operator": "Meta",
   "homepage": "https://about.fb.com/news/2026/09/introducing-muse-personal-ai-agent/",
   "one_line": "Meta's personal AI agent, launched in the US on 8 Sep 2026. It checks out with Stripe Link's agent wallet (one-time cards), with Shop Pay and PayPal announced later. Amazon blocked it on 20 Sep 2026.",
   "url": "https://agentreadycheckout.com/surfaces/meta-muse"
  },
  {
   "id": "microsoft-copilot",
   "name": "Microsoft Copilot Checkout",
   "short": "Copilot",
   "group": "surface",
   "operator": "Microsoft",
   "homepage": "https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce",
   "one_line": "In-chat checkout in Copilot for US buyers in USD, with PayPal, Shopify and Stripe as onboarding partners. The merchant stays merchant of record, Microsoft takes no commission today, and onboarding needs a UCP-compliant Merchant Center feed.",
   "url": "https://agentreadycheckout.com/surfaces/microsoft-copilot"
  }
 ]
}