Merchant decision guide
The decision guide answers one question: given your platform, processor, size band and the channels where customers shop with agents, which protocols apply and what does the integration cost and risk? It holds 18 answers, six platforms by three size bands, each from published pricing and documentation dated 4 Nov 2026. Without JavaScript every answer is on this page.
Pick your stack
All 18 answers are shown below. With JavaScript the form narrows them to your platform, size band, processor and channels. Without JavaScript the form filters by platform and size band only; processor and channel choices are ignored, so read the processor table and the channel lists below.
Check it: after you choose a path, scan your own domain to see how an agent reads it today. The pay-layer check we recommend is Ora, whose Payments layer runs 6 checks across x402, MPP, UCP, ACP and AP2 (GET /api/checks, read 5 Nov 2026). Its score is Ora's reading, not ours, and Ora is not part of the matrix. The six checks against the matrix, the other scanners that test payments.
What your processor adds
The decision form's processor choice reads from this table. A status here is the processor's own cell in the matrix for each protocol the guide recommends.
| Processor | UCP | ACP | Link for agents | Visa IC | Mastercard Agent Pay | Visa TAP | AP2 |
|---|---|---|---|---|---|---|---|
| Stripe | live | live | live | announced | announced | announced | no statement found |
| Adyen | pilot | pilot | no statement found | announced | announced | announced | announced |
| PayPal | live | live | no statement found | no statement found | announced | no statement found | announced |
| Checkout.com | pilot | pilot | no statement found | pilot | pilot | pilot | pilot |
| Braintree | live | live | no statement found | no statement found | announced | no statement found | no statement found |
| Coinbase | no statement found | no statement found | no statement found | no statement found | no statement found | announced | announced |
| Crossmint | live | no statement found | no statement found | live | live | no statement found | announced |
| Skyfire | no statement found | no statement found | no statement found | announced | announced | no statement found | no statement found |
| PayOS | no statement found | no statement found | no statement found | no statement found | announced | no statement found | no statement found |
| Worldpay | announced | announced | no statement found | no statement found | no statement found | announced | announced |
The answers
One block per platform and size band. The six static platform pages hold the same answers: Shopify, BigCommerce, Salesforce CC, Adobe Commerce, commercetools, WooCommerce.
Shopify, small
Protocols that apply
- UCP: live on Shopify
- ACP: no statement found on Shopify
- Link for agents: no statement found on Shopify
Channels
Agent surfaces your customers already use: ChatGPT (discovery), Google AI Mode and Gemini, Microsoft Copilot.
Integration path
Turn on Agentic Storefronts in Shopify Admin (ChatGPT, Copilot, Google AI Mode and Gemini) and keep Shopify Payments or your PSP; UCP Cart, Checkout and Order MCP servers are served for you; agents register self-serve profiles (Spring 26 Edition, 17 Jun 2026). Use the platform default; do not build protocol endpoints yourself.
shopify.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Shopify Agentic Storefronts in ChatGPT: no transaction fees beyond standard processing rates (stated 24 Mar 2026). shopify.com, read 4 Nov 2026.
- ChatGPT: no OpenAI fee on purchases that start in ChatGPT and complete on the merchant site (read 2026-11-04). chatgpt.com, read 4 Nov 2026.
- Microsoft Copilot Checkout: no commission or affiliate fee today; merchant pays its own processor fees (read 2026-11-04). about.ads.microsoft.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
Open risks
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
Shopify, mid-market
Protocols that apply
- UCP: live on Shopify
- ACP: no statement found on Shopify
- Link for agents: no statement found on Shopify
Channels
Google AI Mode and Gemini, Copilot, ChatGPT, Perplexity, and agent wallets such as Link (Meta Muse).
Integration path
Turn on Agentic Storefronts in Shopify Admin (ChatGPT, Copilot, Google AI Mode and Gemini) and keep Shopify Payments or your PSP; UCP Cart, Checkout and Order MCP servers are served for you; agents register self-serve profiles (Spring 26 Edition, 17 Jun 2026). Add a processor agentic product (Stripe ACS, PayPal Agent Ready, Adyen Agentic) and verify agents at the CDN (Web Bot Auth for TAP and Agent Pay).
shopify.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Shopify Agentic Storefronts in ChatGPT: no transaction fees beyond standard processing rates (stated 24 Mar 2026). shopify.com, read 4 Nov 2026.
- ChatGPT: no OpenAI fee on purchases that start in ChatGPT and complete on the merchant site (read 2026-11-04). chatgpt.com, read 4 Nov 2026.
- Microsoft Copilot Checkout: no commission or affiliate fee today; merchant pays its own processor fees (read 2026-11-04). about.ads.microsoft.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
Open risks
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
- Copilot Checkout is limited to English-language merchants selling to US buyers in USD. about.ads.microsoft.com, read 4 Nov 2026.
Shopify, enterprise
Protocols that apply
- UCP: live on Shopify
- ACP: no statement found on Shopify
- Link for agents: no statement found on Shopify
- Visa IC: no statement found on Shopify
- Mastercard Agent Pay: no statement found on Shopify
- Visa TAP: no statement found on Shopify
Channels
All of the above plus your own app inside ChatGPT, Amazon Buy for Me exposure, and machine payments for APIs.
Integration path
Turn on Agentic Storefronts in Shopify Admin (ChatGPT, Copilot, Google AI Mode and Gemini) and keep Shopify Payments or your PSP; UCP Cart, Checkout and Order MCP servers are served for you; agents register self-serve profiles (Spring 26 Edition, 17 Jun 2026). Run UCP and ACP through your PSP, join card-network pilots (Visa Intelligent Commerce Connect, Mastercard Agent Pay), log agent provider login IDs for 10.4 evidence, and keep 120-day order records.
shopify.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Shopify Agentic Storefronts in ChatGPT: no transaction fees beyond standard processing rates (stated 24 Mar 2026). shopify.com, read 4 Nov 2026.
- ChatGPT: no OpenAI fee on purchases that start in ChatGPT and complete on the merchant site (read 2026-11-04). chatgpt.com, read 4 Nov 2026.
- Microsoft Copilot Checkout: no commission or affiliate fee today; merchant pays its own processor fees (read 2026-11-04). about.ads.microsoft.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
- Coinbase x402 facilitator: first 1,000 onchain transactions a month free, then $0.001 each (read 2026-11-04). docs.cdp.coinbase.com, read 4 Nov 2026.
- Stripe stablecoin payments (MPP or x402): 1.5 percent of the USD amount (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
- Stripe Shared Payment Tokens run under preview terms and a preview API version (2026-09-30.preview). docs.stripe.com, read 4 Nov 2026.
- Amazon blocks third-party agents in robots.txt and its Agent Terms; agent traffic from Amazon surfaces reaches you only through Buy for Me. amazon.com, read 4 Nov 2026.
BigCommerce, small
Protocols that apply
Channels
Agent surfaces your customers already use: ChatGPT (discovery), Google AI Mode and Gemini, Microsoft Copilot.
Integration path
Apply to Commerce AI Labs for Google UCP checkout (Merchant Center in good standing, native_commerce attribute, a PSP that accepts Google Pay tokens, sandbox validation); use Feedonomics or PayPal Store Sync for feeds to other agents. Use the platform default; do not build protocol endpoints yourself.
bigcommerce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
- Microsoft Copilot Checkout: no commission or affiliate fee today; merchant pays its own processor fees (read 2026-11-04). about.ads.microsoft.com, read 4 Nov 2026.
Open risks
- BigCommerce Google UCP checkout is early access through Commerce AI Labs, subject to Google approval. bigcommerce.com, read 4 Nov 2026.
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
BigCommerce, mid-market
Protocols that apply
- UCP: pilot on BigCommerce
- ACP: no statement found on BigCommerce
- Link for agents: no statement found on BigCommerce
Channels
Google AI Mode and Gemini, Copilot, ChatGPT, Perplexity, and agent wallets such as Link (Meta Muse).
Integration path
Apply to Commerce AI Labs for Google UCP checkout (Merchant Center in good standing, native_commerce attribute, a PSP that accepts Google Pay tokens, sandbox validation); use Feedonomics or PayPal Store Sync for feeds to other agents. Add a processor agentic product (Stripe ACS, PayPal Agent Ready, Adyen Agentic) and verify agents at the CDN (Web Bot Auth for TAP and Agent Pay).
bigcommerce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
- Microsoft Copilot Checkout: no commission or affiliate fee today; merchant pays its own processor fees (read 2026-11-04). about.ads.microsoft.com, read 4 Nov 2026.
Open risks
- BigCommerce Google UCP checkout is early access through Commerce AI Labs, subject to Google approval. bigcommerce.com, read 4 Nov 2026.
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- Copilot Checkout is limited to English-language merchants selling to US buyers in USD. about.ads.microsoft.com, read 4 Nov 2026.
BigCommerce, enterprise
Protocols that apply
- UCP: pilot on BigCommerce
- ACP: no statement found on BigCommerce
- Visa IC: no statement found on BigCommerce
- Mastercard Agent Pay: no statement found on BigCommerce
- Visa TAP: no statement found on BigCommerce
- Link for agents: no statement found on BigCommerce
Channels
All of the above plus your own app inside ChatGPT, Amazon Buy for Me exposure, and machine payments for APIs.
Integration path
Apply to Commerce AI Labs for Google UCP checkout (Merchant Center in good standing, native_commerce attribute, a PSP that accepts Google Pay tokens, sandbox validation); use Feedonomics or PayPal Store Sync for feeds to other agents. Run UCP and ACP through your PSP, join card-network pilots (Visa Intelligent Commerce Connect, Mastercard Agent Pay), log agent provider login IDs for 10.4 evidence, and keep 120-day order records.
bigcommerce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
- Microsoft Copilot Checkout: no commission or affiliate fee today; merchant pays its own processor fees (read 2026-11-04). about.ads.microsoft.com, read 4 Nov 2026.
- Coinbase x402 facilitator: first 1,000 onchain transactions a month free, then $0.001 each (read 2026-11-04). docs.cdp.coinbase.com, read 4 Nov 2026.
- Stripe stablecoin payments (MPP or x402): 1.5 percent of the USD amount (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- BigCommerce Google UCP checkout is early access through Commerce AI Labs, subject to Google approval. bigcommerce.com, read 4 Nov 2026.
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- Stripe Shared Payment Tokens run under preview terms and a preview API version (2026-09-30.preview). docs.stripe.com, read 4 Nov 2026.
- Amazon blocks third-party agents in robots.txt and its Agent Terms; agent traffic from Amazon surfaces reaches you only through Buy for Me. amazon.com, read 4 Nov 2026.
Salesforce CC, small
Protocols that apply
Channels
Agent surfaces your customers already use: ChatGPT (discovery), Google AI Mode and Gemini, Microsoft Copilot.
Integration path
Use the Agentforce Commerce UCP Integration (GA Oct 2026) for Gemini and AI Mode checkout; ChatGPT integration through the July 2026 release; payments via Salesforce Payments (Stripe) or your PSP. Use the platform default; do not build protocol endpoints yourself.
salesforce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
Open risks
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
Salesforce CC, mid-market
Protocols that apply
- UCP: live on Salesforce CC
- ACP: announced on Salesforce CC
- Link for agents: announced on Salesforce CC
Channels
Google AI Mode and Gemini, Copilot, ChatGPT, Perplexity, and agent wallets such as Link (Meta Muse).
Integration path
Use the Agentforce Commerce UCP Integration (GA Oct 2026) for Gemini and AI Mode checkout; ChatGPT integration through the July 2026 release; payments via Salesforce Payments (Stripe) or your PSP. Add a processor agentic product (Stripe ACS, PayPal Agent Ready, Adyen Agentic) and verify agents at the CDN (Web Bot Auth for TAP and Agent Pay).
salesforce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
Open risks
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- Copilot Checkout is limited to English-language merchants selling to US buyers in USD. about.ads.microsoft.com, read 4 Nov 2026.
Salesforce CC, enterprise
Protocols that apply
- UCP: live on Salesforce CC
- ACP: announced on Salesforce CC
- Visa IC: no statement found on Salesforce CC
- Mastercard Agent Pay: no statement found on Salesforce CC
- Visa TAP: no statement found on Salesforce CC
- Link for agents: announced on Salesforce CC
Channels
All of the above plus your own app inside ChatGPT, Amazon Buy for Me exposure, and machine payments for APIs.
Integration path
Use the Agentforce Commerce UCP Integration (GA Oct 2026) for Gemini and AI Mode checkout; ChatGPT integration through the July 2026 release; payments via Salesforce Payments (Stripe) or your PSP. Run UCP and ACP through your PSP, join card-network pilots (Visa Intelligent Commerce Connect, Mastercard Agent Pay), log agent provider login IDs for 10.4 evidence, and keep 120-day order records.
salesforce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
- Coinbase x402 facilitator: first 1,000 onchain transactions a month free, then $0.001 each (read 2026-11-04). docs.cdp.coinbase.com, read 4 Nov 2026.
- Stripe stablecoin payments (MPP or x402): 1.5 percent of the USD amount (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- Stripe Shared Payment Tokens run under preview terms and a preview API version (2026-09-30.preview). docs.stripe.com, read 4 Nov 2026.
- Amazon blocks third-party agents in robots.txt and its Agent Terms; agent traffic from Amazon surfaces reaches you only through Buy for Me. amazon.com, read 4 Nov 2026.
Adobe Commerce, small
Protocols that apply
Channels
Agent surfaces your customers already use: ChatGPT (discovery), Google AI Mode and Gemini, Microsoft Copilot.
Integration path
No native endpoint yet: expose catalog and checkout through the Adobe Commerce MCP server, use an ACP feed extension or Stripe Agentic Commerce Suite, and track Adobe's stated UCP and ACP commitment. Use the platform default; do not build protocol endpoints yourself.
experienceleague.adobe.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- Adobe Commerce has not shipped native UCP or ACP endpoints; its Oct 2026 guide still says "committed to supporting". experienceleague.adobe.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
Adobe Commerce, mid-market
Protocols that apply
- UCP: announced on Adobe Commerce
- ACP: announced on Adobe Commerce
- AP2: announced on Adobe Commerce
- Link for agents: no statement found on Adobe Commerce
Channels
Google AI Mode and Gemini, Copilot, ChatGPT, Perplexity, and agent wallets such as Link (Meta Muse).
Integration path
No native endpoint yet: expose catalog and checkout through the Adobe Commerce MCP server, use an ACP feed extension or Stripe Agentic Commerce Suite, and track Adobe's stated UCP and ACP commitment. Add a processor agentic product (Stripe ACS, PayPal Agent Ready, Adyen Agentic) and verify agents at the CDN (Web Bot Auth for TAP and Agent Pay).
experienceleague.adobe.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- Adobe Commerce has not shipped native UCP or ACP endpoints; its Oct 2026 guide still says "committed to supporting". experienceleague.adobe.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
- Copilot Checkout is limited to English-language merchants selling to US buyers in USD. about.ads.microsoft.com, read 4 Nov 2026.
Adobe Commerce, enterprise
Protocols that apply
- UCP: announced on Adobe Commerce
- ACP: announced on Adobe Commerce
- AP2: announced on Adobe Commerce
- Visa IC: no statement found on Adobe Commerce
- Mastercard Agent Pay: no statement found on Adobe Commerce
- Visa TAP: no statement found on Adobe Commerce
- Link for agents: no statement found on Adobe Commerce
Channels
All of the above plus your own app inside ChatGPT, Amazon Buy for Me exposure, and machine payments for APIs.
Integration path
No native endpoint yet: expose catalog and checkout through the Adobe Commerce MCP server, use an ACP feed extension or Stripe Agentic Commerce Suite, and track Adobe's stated UCP and ACP commitment. Run UCP and ACP through your PSP, join card-network pilots (Visa Intelligent Commerce Connect, Mastercard Agent Pay), log agent provider login IDs for 10.4 evidence, and keep 120-day order records.
experienceleague.adobe.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Coinbase x402 facilitator: first 1,000 onchain transactions a month free, then $0.001 each (read 2026-11-04). docs.cdp.coinbase.com, read 4 Nov 2026.
- Stripe stablecoin payments (MPP or x402): 1.5 percent of the USD amount (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- Adobe Commerce has not shipped native UCP or ACP endpoints; its Oct 2026 guide still says "committed to supporting". experienceleague.adobe.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
- Stripe Shared Payment Tokens run under preview terms and a preview API version (2026-09-30.preview). docs.stripe.com, read 4 Nov 2026.
- Amazon blocks third-party agents in robots.txt and its Agent Terms; agent traffic from Amazon surfaces reaches you only through Buy for Me. amazon.com, read 4 Nov 2026.
commercetools, small
Protocols that apply
Channels
Agent surfaces your customers already use: ChatGPT (discovery), Google AI Mode and Gemini, Microsoft Copilot.
Integration path
Enable AI Hub (GA 30 Jul 2026) in Merchant Center, connect each Store to an Agentic Channel; Gemini checkout via UCP with Adyen, Stripe, CyberSource or Worldpay Access; Stripe ACS for ChatGPT, Copilot and Perplexity. Use the platform default; do not build protocol endpoints yourself.
docs.commercetools.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
Open risks
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
commercetools, mid-market
Protocols that apply
- UCP: live on commercetools
- ACP: announced on commercetools
- Link for agents: no statement found on commercetools
Channels
Google AI Mode and Gemini, Copilot, ChatGPT, Perplexity, and agent wallets such as Link (Meta Muse).
Integration path
Enable AI Hub (GA 30 Jul 2026) in Merchant Center, connect each Store to an Agentic Channel; Gemini checkout via UCP with Adyen, Stripe, CyberSource or Worldpay Access; Stripe ACS for ChatGPT, Copilot and Perplexity. Add a processor agentic product (Stripe ACS, PayPal Agent Ready, Adyen Agentic) and verify agents at the CDN (Web Bot Auth for TAP and Agent Pay).
docs.commercetools.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
Open risks
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- Copilot Checkout is limited to English-language merchants selling to US buyers in USD. about.ads.microsoft.com, read 4 Nov 2026.
commercetools, enterprise
Protocols that apply
- UCP: live on commercetools
- ACP: announced on commercetools
- Visa IC: no statement found on commercetools
- Mastercard Agent Pay: no statement found on commercetools
- Visa TAP: no statement found on commercetools
- Link for agents: no statement found on commercetools
Channels
All of the above plus your own app inside ChatGPT, Amazon Buy for Me exposure, and machine payments for APIs.
Integration path
Enable AI Hub (GA 30 Jul 2026) in Merchant Center, connect each Store to an Agentic Channel; Gemini checkout via UCP with Adyen, Stripe, CyberSource or Worldpay Access; Stripe ACS for ChatGPT, Copilot and Perplexity. Run UCP and ACP through your PSP, join card-network pilots (Visa Intelligent Commerce Connect, Mastercard Agent Pay), log agent provider login IDs for 10.4 evidence, and keep 120-day order records.
docs.commercetools.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Google UCP checkout: no Google fee is published on the Merchant Center help page; processing runs through the merchant PSP (read 2026-11-04). support.google.com, read 4 Nov 2026.
- Coinbase x402 facilitator: first 1,000 onchain transactions a month free, then $0.001 each (read 2026-11-04). docs.cdp.coinbase.com, read 4 Nov 2026.
- Stripe stablecoin payments (MPP or x402): 1.5 percent of the USD amount (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- ChatGPT no longer runs in-chat checkout (24 Mar 2026); ChatGPT is a discovery and referral channel, so do not plan ACP checkout revenue from it. openai.com, read 4 Nov 2026.
- Google UCP checkout is limited to select merchants via an interest form, and uses standard card numbers, not network agent tokens. support.google.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- Stripe Shared Payment Tokens run under preview terms and a preview API version (2026-09-30.preview). docs.stripe.com, read 4 Nov 2026.
- Amazon blocks third-party agents in robots.txt and its Agent Terms; agent traffic from Amazon surfaces reaches you only through Buy for Me. amazon.com, read 4 Nov 2026.
WooCommerce, small
Protocols that apply
Channels
Agent surfaces your customers already use: ChatGPT (discovery), Google AI Mode and Gemini, Microsoft Copilot.
Integration path
Join the WooCommerce AI private beta and enable agentic commerce to expose UCP services; Stripe for WooCommerce will push the catalog to Stripe Agentic Commerce Suite when agentic checkout ships. Use the platform default; do not build protocol endpoints yourself.
woocommerce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- WooCommerce lists UCP and ACP as coming soon; the UCP toggle sits in the private-beta WooCommerce AI extension. woocommerce.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
WooCommerce, mid-market
Protocols that apply
- UCP: pilot on WooCommerce
- ACP: announced on WooCommerce
- Link for agents: no statement found on WooCommerce
Channels
Google AI Mode and Gemini, Copilot, ChatGPT, Perplexity, and agent wallets such as Link (Meta Muse).
Integration path
Join the WooCommerce AI private beta and enable agentic commerce to expose UCP services; Stripe for WooCommerce will push the catalog to Stripe Agentic Commerce Suite when agentic checkout ships. Add a processor agentic product (Stripe ACS, PayPal Agent Ready, Adyen Agentic) and verify agents at the CDN (Web Bot Auth for TAP and Agent Pay).
woocommerce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- WooCommerce lists UCP and ACP as coming soon; the UCP toggle sits in the private-beta WooCommerce AI extension. woocommerce.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
- Copilot Checkout is limited to English-language merchants selling to US buyers in USD. about.ads.microsoft.com, read 4 Nov 2026.
WooCommerce, enterprise
Protocols that apply
- UCP: pilot on WooCommerce
- ACP: announced on WooCommerce
- Visa IC: no statement found on WooCommerce
- Mastercard Agent Pay: no statement found on WooCommerce
- Visa TAP: no statement found on WooCommerce
- Link for agents: no statement found on WooCommerce
Channels
All of the above plus your own app inside ChatGPT, Amazon Buy for Me exposure, and machine payments for APIs.
Integration path
Join the WooCommerce AI private beta and enable agentic commerce to expose UCP services; Stripe for WooCommerce will push the catalog to Stripe Agentic Commerce Suite when agentic checkout ships. Run UCP and ACP through your PSP, join card-network pilots (Visa Intelligent Commerce Connect, Mastercard Agent Pay), log agent provider login IDs for 10.4 evidence, and keep 120-day order records.
woocommerce.com, read 4 Nov 2026
Indicative cost lines, published pricing only
- Stripe Shared Payment Token: $0.15 per SPT issued, on top of normal card pricing (read 2026-11-04). stripe.com, read 4 Nov 2026.
- Coinbase x402 facilitator: first 1,000 onchain transactions a month free, then $0.001 each (read 2026-11-04). docs.cdp.coinbase.com, read 4 Nov 2026.
- Stripe stablecoin payments (MPP or x402): 1.5 percent of the USD amount (read 2026-11-04). stripe.com, read 4 Nov 2026.
Open risks
- WooCommerce lists UCP and ACP as coming soon; the UCP toggle sits in the private-beta WooCommerce AI extension. woocommerce.com, read 4 Nov 2026.
- Merchant of record does not move: you carry fraud and consumer disputes on agent orders as on any card-not-present order (Visa rules 4.1.23.10 and 10.4). usa.visa.com, read 4 Nov 2026.
- No card network has an agent-specific dispute reason code; agent disputes land on Visa 10.4 or category 13. usa.visa.com, read 4 Nov 2026.
- Stripe Shared Payment Tokens run under preview terms and a preview API version (2026-09-30.preview). docs.stripe.com, read 4 Nov 2026.
- Amazon blocks third-party agents in robots.txt and its Agent Terms; agent traffic from Amazon surfaces reaches you only through Buy for Me. amazon.com, read 4 Nov 2026.
Sources
- shopify.com/news/agentic-commerce-momentum, read 4 Nov 2026
- Power product discovery in ChatGPT (merchants page), read 4 Nov 2026
- Agentic Commerce, Microsoft Advertising, read 4 Nov 2026
- Merchant Center help: UCP-powered checkout, read 4 Nov 2026
- Powering Product Discovery in ChatGPT, read 4 Nov 2026
- Visa Core Rules and Visa Product and Service Rules, 24 October 2026, read 4 Nov 2026
- docs.cdp.coinbase.com/x402/core-concepts/facilitator, read 4 Nov 2026
- stripe.com/pricing, read 4 Nov 2026
- docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md, read 4 Nov 2026
- Amazon Conditions of Use, read 4 Nov 2026
- bigcommerce.com/articles/ecommerce/google-agentic-checkout/, read 4 Nov 2026
- salesforce.com/commerce/innovations/, read 4 Nov 2026
- experienceleague.adobe.com/en/docs/commerce/information-center/insights-and-guidance/architectural-foundations-agentic-c, read 4 Nov 2026
- docs.commercetools.com/api/releases/2026-07-30-ai-hub-is-now-generally-available, read 4 Nov 2026
- woocommerce.com/document/woocommerce-ai/agentic-commerce/, read 4 Nov 2026
- woocommerce.com/agentic-commerce/, read 4 Nov 2026
- Ora check catalog (GET /api/checks), read 5 Nov 2026
Last reviewed