Agent Pay for Machines (AP4M)

Definition

Mastercard's service for machine-to-machine purchases of digital services, built on x402 and settling across cards, accounts and stablecoins.

Example

Early Access opened on 20 Oct 2026 with a sandbox and toolkit. mastercard.com, read 4 Nov 2026.

Where it appears in the sourced facts

• Mastercard launched Agent Pay for Machines on 10 Jun 2026 for permissioned, orchestrated machine payments settled across cards, accounts and stablecoins. mastercard.com, read 4 Nov 2026. In Mastercard Agent Pay for Machines (AP4M).
• AP4M names four capabilities: credentialing (with Verifiable Intent), permissioning (programmatic rules and spend limits), transacting and settling. mastercard.com, read 4 Nov 2026. In Mastercard Agent Pay for Machines (AP4M).
• On 20 Oct 2026 at Cloudflare Connect, Mastercard said AP4M builds on x402 and opened Early Access with buyer- and seller-side APIs, a toolkit, sandbox and documentation. mastercard.com, read 4 Nov 2026. In Mastercard Agent Pay for Machines (AP4M).
• Mastercard Agent Pay for Machines builds on x402 (20 Oct 2026). mastercard.com, read 4 Nov 2026. In x402.
• AP4M credentials agents "with Verifiable Intent" (10 Jun 2026). mastercard.com, read 4 Nov 2026. In Verifiable Intent (VI).

Nearby terms

• Know Your Agent (KYA)
• Amex ACE
• Probability score (agent)
• All terms