Frequently asked questions about agent checkout

The questions

Can ChatGPT still buy from my store?

Not inside the chat. OpenAI moved purchases back to merchant websites and apps on 24 Mar 2026 and says it is moving away from a standalone Instant Checkout experience. ChatGPT now shows products from ACP feeds and sends the shopper to your checkout, with no OpenAI fee on those purchases. chatgpt.com, read 4 Nov 2026.

Did OpenAI shut down Instant Checkout in March 2026?

OpenAI did not use the word shutdown. Its 24 Mar 2026 post said the initial Instant Checkout did not offer the flexibility it wanted and that merchants would use their own checkout while OpenAI focused on discovery. Trade press dated the change to early March; OpenAI's own notice is dated 24 Mar 2026. openai.com, read 4 Nov 2026.

Is ACP dead?

No. ACP shipped version 2026-04-17 with cart, feed, orders and MCP, Meta joined OpenAI and Stripe as a lead maintainer on 24 Apr 2026, and OpenAI uses ACP for product feeds in ChatGPT. What ended is in-chat checkout in ChatGPT. github.com, read 4 Nov 2026.

What is the difference between ACP and UCP?

Both keep the merchant as merchant of record and pass a token to the merchant PSP. UCP runs live checkout in Google AI Mode and Gemini and is the feed format for Copilot Checkout; ACP now carries discovery feeds in ChatGPT. UCP is governed by a Tech Council; ACP has three lead maintainers. ucp.dev, read 4 Nov 2026.

Do I need to build UCP if I am on Shopify?

No. Shopify serves UCP Cart, Checkout and Order MCP endpoints and the /.well-known/ucp profile for stores, and agents register their own profiles self-serve since 17 Jun 2026. You turn on Agentic Storefronts in Admin and keep product data clean. shopify.dev, read 4 Nov 2026.

Who is merchant of record when an agent buys?

The merchant. ACP, UCP, Google, Microsoft, PayPal for Perplexity and Stripe for Muse all state the merchant stays merchant of record, and Visa's rules say initiators of Agentic Transactions are not merchants. usa.visa.com, read 4 Nov 2026.

Who pays when an agent buys the wrong thing?

Under Visa Core Rules 4.1.23.10 the cardholder is responsible for an Agentic Payment Provider's actions as if the cardholder initiated the transaction, so a mistake inside the instruction is not fraud by itself. American Express has announced Agent Purchase Protection for agent error, described as coming in the future. usa.visa.com, read 4 Nov 2026.

Is there a chargeback reason code for agent purchases?

Not on Visa or in Mastercard's public rules. Agent fraud claims use Visa Dispute Condition 10.4 and consumer claims use category 13. The October 2026 Visa rules add an agent provider's login ID to the matching data a merchant can use against 10.4. usa.visa.com, read 4 Nov 2026.

What did Visa change in April 2026?

The 18 Apr 2026 edition of the Visa Core Rules added section 4.1.23, Agentic Platform Requirements: enrolment in Visa Intelligent Commerce, consent and expiry for payment instructions, identity checks, no aggregation, 120-day order confirmations, and cardholder responsibility for the agent's actions. usa.visa.com, read 4 Nov 2026.

What did Visa change in October 2026?

The 24 Oct 2026 edition keeps section 4.1.23 and updates Dispute Condition 10.4 (section 11.8.5.3, last updated Oct 2026), whose matching evidence names login IDs for an Agentic Payment Provider. The summary of changes lists no new agent-specific dispute condition. usa.visa.com, read 4 Nov 2026.

Does Mastercard flag agent-initiated transactions?

Mastercard identifies agents through registration and agentic tokens, and from 30 Sep 2026 is testing in the US a probability score that a transaction was initiated by an AI agent. Its public rulebooks of June 2026 contain no agentic provision. mastercard.com, read 4 Nov 2026.

What is Visa Intelligent Commerce Connect?

A Visa Acceptance Platform integration announced in April 2026 that accepts agent-initiated payments over TAP, MPP, ACP and UCP, network and token vault agnostic. It is in pilot with AWS, Diddo, Highnote, Mesh, Payabli and Sumvin. visa.co.uk, read 4 Nov 2026.

Does the Visa Trusted Agent Protocol cost anything?

Visa publishes no fee. TAP is a signature scheme on GitHub and in the Visa Developer Center; verification can run at your CDN, and Cloudflare validates TAP signatures. usa.visa.com, read 4 Nov 2026.

What do TAP and Agent Pay change for my WAF?

Both sign agent requests with Web Bot Auth. Your CDN can verify Signature-Input and Signature headers against the agent's published key and allow registered agents that bot rules would otherwise block. blog.cloudflare.com, read 4 Nov 2026.

What is x402 and who governs it?

x402 lets a server reply HTTP 402 with a price and accept payment on retry, mostly in stablecoins. The Linux Foundation announced the x402 Foundation on 2 Apr 2026 and its operational launch on 14 Jul 2026 with 40 members including Visa, Mastercard, Stripe, Shopify and Google. x402.org, read 4 Nov 2026.

Does x402 support Lightning?

Yes, in the spec: an exact scheme for Bitcoin Lightning (lnbtc) was merged into the x402 specification on 23 Sep 2026. Facilitator support varies; Coinbase's facilitator lists EVM and Solana networks. github.com, read 4 Nov 2026.

What is the difference between x402 and MPP?

Both use HTTP 402. x402 is foundation-governed and settles mostly onchain; MPP, by Tempo and Stripe, adds session and subscription intents and accepts card tokens as well as stablecoins. Stripe accepts both. mpp.dev, read 4 Nov 2026.

How much does Stripe charge for agentic payments?

Stripe lists $0.15 per Shared Payment Token issued and 1.5 percent for stablecoin payments, on top of normal card pricing. It lists no separate ACP fee. stripe.com, read 4 Nov 2026.

Is Google AI Mode checkout open to every merchant?

No. Google's help page says UCP checkout is available for select merchants with phased availability by interest form, for products eligible in the US, Canada and Australia, and uses standard card numbers from Google Wallet today. support.google.com, read 4 Nov 2026.

Which protocol does Microsoft Copilot Checkout use?

Microsoft's onboarding page requires a Microsoft Merchant Center account with a UCP-compliant feed, or a trusted partner (PayPal Store Sync, Shopify, Stripe ACS). Its January 2026 post had cited ACP. Copilot takes no commission today. about.ads.microsoft.com, read 4 Nov 2026.

How does Perplexity check out?

Through PayPal Instant Buy, launched 25 Nov 2025, with PayPal handling identity, protection and processing and the retailer as merchant of record. newsroom.paypal-corp.com, read 4 Nov 2026.

Why did Amazon block Meta Muse?

Amazon began blocking Muse on 20 Sep 2026, saying it does not identify itself as an agent. Amazon's Conditions of Use (14 Aug 2026) require agents to send "Agent/[agent name]" in every request. Reports of an October block are wrong on the date. siliconangle.com, read 4 Nov 2026.

How does Meta Muse pay?

Muse pays through Stripe Link: a saved Link method at more than 1 million Link merchants and a single-use virtual card scoped to the approved purchase elsewhere. The user approves the total in chat. stripe.com, read 4 Nov 2026.

What is AP2 and is it live?

AP2 is Google's mandate-based agent payment protocol, now in FIDO Alliance working groups. It is at v0.2 (28 Apr 2026) with sample code; Google has announced it for Gemini Spark but no surface states it is live for merchants. github.com, read 4 Nov 2026.

What is Verifiable Intent?

A draft v0.1 open credential format from Mastercard and Google that proves what a user authorised an agent to buy, using SD-JWT, contributed to the FIDO Alliance in April 2026. github.com, read 4 Nov 2026.

What is Amex ACE?

American Express's Agentic Commerce Experiences developer kit with five services; three specifications have been available since 14 Apr 2026, and agent registration is still under development. americanexpress.com, read 4 Nov 2026.

Does Adobe Commerce support UCP or ACP?

Not natively as of 4 Nov 2026. Adobe's architecture guide updated 21 Oct 2026 still says it is committed to supporting ACP and UCP; Adobe offers a Commerce MCP server. experienceleague.adobe.com, read 4 Nov 2026.

Can WooCommerce stores sell through agents?

WooCommerce lists UCP and ACP as coming soon. Its private-beta WooCommerce AI extension can expose a store's UCP services when agentic commerce is enabled. woocommerce.com, read 4 Nov 2026.

How well do agents complete checkouts with Link?

Ora's lab found (October 2026) that agents paying through Link got 92.3 percent of test checkouts right (733 of 794) in Stripe test mode, below saved cards at 95.6 and 96.6 percent. Ora is the vendor of that test. agentready.org, read 4 Nov 2026.

Where does Ora appear on this site?

Ora is not a row, a column or a profile in the matrix. It is the pay-layer check this site recommends, and it appears on the method page, the decision guide, the pay-per-call pages and the pages that map its six Payments checks to the matrix and compare the scanners that test payments. Its figures are labelled as its own. Method page, read 4 Nov 2026.