--- title: "Agent payments history, Sep 2025 to Nov 2026 | Agent Ready Checkout" description: "The history of agent payments, September 2025 to November 2026: Agent checkout went from one in-chat button in ChatGPT. Dated and sourced." canonical: https://agentreadycheckout.com/guides/history-september-2025-to-now site: "Agent Ready Checkout" last_updated: 2026-11-04 date: 2026-11-04 section: "Guides" --- # Agent payments history, Sep 2025 to Nov 2026 | Agent Ready Checkout > The history of agent payments, September 2025 to November 2026: Agent checkout went from one in-chat button in ChatGPT. Dated and sourced. Source: https://agentreadycheckout.com/guides/history-september-2025-to-now Site: Agent Ready Checkout Last reviewed: 2026-11-04 Guide # The history of agent payments, September 2025 to November 2026 In short Agent checkout went from one in-chat button in ChatGPT (September 2025) to competing protocols, card-network rules and standards bodies. ChatGPT stepped back from checkout in March 2026, Google and Microsoft standardised on UCP, and Visa wrote agent duties into its rules in April 2026. ## The timeline, dated 34 dated events from 16 Sep 2025 to 24 Oct 2026, oldest first. Each links to the page that dates it. 1. 16 Sep 2025 Google announces AP2 with more than 60 collaborators; AP2 v0.1.0 tagged. [cloud.google.com](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol). 2. 29 Sep 2025 OpenAI and Stripe launch Instant Checkout in ChatGPT and release ACP. [stripe.com](https://stripe.com/blog/developing-an-open-standard-for-agentic-commerce). 3. 14 Oct 2025 Visa announces Trusted Agent Protocol; Mastercard publishes the Agent Pay Acceptance Framework. [usa.visa.com](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21716.html). 4. 24 Oct 2025 Cloudflare describes Web Bot Auth validation for TAP and Agent Pay. [blog.cloudflare.com](https://blog.cloudflare.com/secure-agentic-commerce/). 5. 27 Oct 2025 Mastercard and PayPal say Agent Pay will integrate with PayPal's wallet. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/press/2025/october/Mastercard-and-PayPal-join-forces.html). 6. 25 Nov 2025 PayPal and Perplexity launch Instant Buy. [newsroom.paypal-corp.com](https://newsroom.paypal-corp.com/2025-11-PayPal-and-Perplexity-Launch-Instant-Buy). 7. 11 Dec 2025 Stripe announces the Agentic Commerce Suite. [stripe.com](https://stripe.com/newsroom/news/agentic-commerce-suite). 8. 8 Jan 2026 Microsoft launches Copilot Checkout in the US. [about.ads.microsoft.com](https://about.ads.microsoft.com/en/blog/post/january-2026/conversations-that-convert-copilot-checkout-and-brand-agents). 9. 11 Jan 2026 Google and Shopify announce UCP at NRF. [shopify.com](https://www.shopify.com/news/ai-commerce-at-scale). 10. 5 Mar 2026 Mastercard and Google publish Verifiable Intent draft v0.1. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/stories/2026/verifiable-intent.html). 11. 18 Mar 2026 Tempo mainnet and MPP launch (The Block). [theblock.co](https://www.theblock.co/post/394131/tempo-mainnet-goes-live-with-machine-payments-protocol-for-agents). 12. 24 Mar 2026 OpenAI moves ChatGPT purchases to merchant checkouts; ACP refocused on discovery feeds. [openai.com](https://openai.com/index/powering-product-discovery-in-chatgpt/). 13. 2 Apr 2026 Linux Foundation announces the x402 Foundation. [linuxfoundation.org](https://www.linuxfoundation.org/press/linux-foundation-is-launching-the-x402-foundation-and-welcoming-the-contribution-of-the-x402-protocol). 14. 9 Apr 2026 Visa announces Intelligent Commerce Connect in pilot for TAP, MPP, ACP and UCP. [visa.co.uk](https://www.visa.co.uk/about-visa/newsroom/press-releases.3442048.html). 15. 14 Apr 2026 Amex ACE specifications for three of five services become available. [americanexpress.com](https://www.americanexpress.com/en-us/company/agentic-commerce/). 16. 17 Apr 2026 ACP version 2026-04-17 adds cart, feed, orders, authentication and MCP. [github.com](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol/blob/main/changelog/2026-04-17.md). 17. 18 Apr 2026 Visa Core Rules April edition adds agentic platform requirements (section 4.1.23). [usa.visa.com](https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf). 18. 24 Apr 2026 Meta joins ACP as a lead maintainer; Amazon, Meta, Microsoft, Salesforce and Stripe join the UCP Tech Council. [github.com](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol/blob/main/MAINTAINERS.md). 19. 28 Apr 2026 FIDO forms payments and agentic authentication working groups; AP2 v0.2 and Verifiable Intent contributed. [fidoalliance.org](https://fidoalliance.org/fido-alliance-to-develop-standards-for-trusted-ai-agent-interactions/). 20. 10 Jun 2026 Mastercard launches Agent Pay for Machines. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/press/2026/june/mastercard-launches-agent-pay-for-machines.html). 21. 16 Jun 2026 Adyen launches Adyen Agentic. [adyen.com](https://www.adyen.com/press-and-media/adyen-agentic). 22. 17 Jun 2026 Shopify makes UCP agent access self-serve (Spring 26 Edition). [shopify.com](https://shopify.com/news/spring-26-edition-dev). 23. 14 Jul 2026 x402 Foundation operational launch with 40 members. [x402.org](https://x402.org/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications/). 24. 30 Jul 2026 commercetools AI Hub generally available with UCP checkout in Gemini. [docs.commercetools.com](https://docs.commercetools.com/api/releases/2026-07-30-ai-hub-is-now-generally-available). 25. 4 Aug 2026 Ninth Circuit vacates the injunction against Perplexity Comet on Amazon (Bloomberg Law). [news.bloomberglaw.com](https://news.bloomberglaw.com/ip-law/perplexity-overturns-amazon-ban-on-ai-shopping-bot-on-appeal). 26. 25 Aug 2026 UCP release v2026-08-25 adds 3DS2, network token credentials and installments. [github.com](https://github.com/Universal-Commerce-Protocol/ucp/releases/tag/v2026-08-25). 27. 8 Sep 2026 Meta launches Muse, paying through Stripe Link. [stripe.com](https://stripe.com/newsroom/news/stripe-helps-meta-muse-shop-with-link). 28. 20 Sep 2026 Amazon blocks Muse from Amazon.com (SiliconANGLE). [siliconangle.com](https://siliconangle.com/2026/09/21/amazon-blocks-metas-muse-agent-from-shopping-on-users-behalf/). 29. 23 Sep 2026 x402 spec adds the Lightning exact scheme. [github.com](https://github.com/x402-foundation/x402/blob/main/specs/schemes/exact/scheme_exact_lnbtc.md). 30. 30 Sep 2026 Mastercard adds a probability score for AI-initiated transactions, testing in the US. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/press/2026/september/new-trust-and-intelligence-services.html). 31. 13 Oct 2026 Shopify launches Shop MCP with Shop Pay checkout for any agent. [shopify.dev](https://shopify.dev/changelog/posts/add-shopping-and-shop-pay-checkout-to-any-agent-with-shop-mcp). 32. 20 Oct 2026 Mastercard opens Agent Pay for Machines Early Access. [mastercard.com](https://www.mastercard.com/global/en/news-and-trends/press/2026/october/Mastercard-Agent-Pay-for-Machines-in-action.html). 33. 21 Oct 2026 Walmart announces Agent Profiles, Agent Gateway beta and terms for AI agents. [corporate.walmart.com](https://corporate.walmart.com/news/2026/10/Making-It-Possible-for-Agents-to-Shop-on-Behalf-of-Customers). 34. 24 Oct 2026 Visa Core Rules October edition takes effect; 10.4 evidence names agent provider login IDs. [usa.visa.com](https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf). Dated events per month in this timeline. | Month | Dated events | | --- | --- | | September 2025 | 2 | | October 2025 | 3 | | November 2025 | 1 | | December 2025 | 1 | | January 2026 | 2 | | February 2026 | 0 | | March 2026 | 3 | | April 2026 | 7 | | May 2026 | 0 | | June 2026 | 3 | | July 2026 | 2 | | August 2026 | 2 | | September 2026 | 4 | | October 2026 | 4 | | November 2026 | 0 | | | | All months | 34 | ## What the sources say - Google announces AP2 with more than 60 collaborators; AP2 v0.1.0 tagged. [cloud.google.com](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol), read 4 Nov 2026. - OpenAI and Stripe launch Instant Checkout in ChatGPT and release ACP. [stripe.com](https://stripe.com/blog/developing-an-open-standard-for-agentic-commerce), read 4 Nov 2026. - Visa announces Trusted Agent Protocol; Mastercard publishes the Agent Pay Acceptance Framework. [usa.visa.com](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21716.html), read 4 Nov 2026. - Cloudflare describes Web Bot Auth validation for TAP and Agent Pay. [blog.cloudflare.com](https://blog.cloudflare.com/secure-agentic-commerce/), read 4 Nov 2026. - Mastercard and PayPal say Agent Pay will integrate with PayPal's wallet. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/press/2025/october/Mastercard-and-PayPal-join-forces.html), read 4 Nov 2026. - PayPal and Perplexity launch Instant Buy. [newsroom.paypal-corp.com](https://newsroom.paypal-corp.com/2025-11-PayPal-and-Perplexity-Launch-Instant-Buy), read 4 Nov 2026. - Stripe announces the Agentic Commerce Suite. [stripe.com](https://stripe.com/newsroom/news/agentic-commerce-suite), read 4 Nov 2026. - Microsoft launches Copilot Checkout in the US. [about.ads.microsoft.com](https://about.ads.microsoft.com/en/blog/post/january-2026/conversations-that-convert-copilot-checkout-and-brand-agents), read 4 Nov 2026. - Google and Shopify announce UCP at NRF. [shopify.com](https://www.shopify.com/news/ai-commerce-at-scale), read 4 Nov 2026. - Mastercard and Google publish Verifiable Intent draft v0.1. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/stories/2026/verifiable-intent.html), read 4 Nov 2026. - Tempo mainnet and MPP launch (The Block). [theblock.co](https://www.theblock.co/post/394131/tempo-mainnet-goes-live-with-machine-payments-protocol-for-agents), read 4 Nov 2026.Trade press - OpenAI moves ChatGPT purchases to merchant checkouts; ACP refocused on discovery feeds. [openai.com](https://openai.com/index/powering-product-discovery-in-chatgpt/), read 4 Nov 2026. - Linux Foundation announces the x402 Foundation. [linuxfoundation.org](https://www.linuxfoundation.org/press/linux-foundation-is-launching-the-x402-foundation-and-welcoming-the-contribution-of-the-x402-protocol), read 4 Nov 2026. - Visa announces Intelligent Commerce Connect in pilot for TAP, MPP, ACP and UCP. [visa.co.uk](https://www.visa.co.uk/about-visa/newsroom/press-releases.3442048.html), read 4 Nov 2026. - Amex ACE specifications for three of five services become available. [americanexpress.com](https://www.americanexpress.com/en-us/company/agentic-commerce/), read 4 Nov 2026. - ACP version 2026-04-17 adds cart, feed, orders, authentication and MCP. [github.com](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol/blob/main/changelog/2026-04-17.md), read 4 Nov 2026. - Visa Core Rules April edition adds agentic platform requirements (section 4.1.23). [usa.visa.com](https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf), read 4 Nov 2026. - Meta joins ACP as a lead maintainer; Amazon, Meta, Microsoft, Salesforce and Stripe join the UCP Tech Council. [github.com](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol/blob/main/MAINTAINERS.md), read 4 Nov 2026. - FIDO forms payments and agentic authentication working groups; AP2 v0.2 and Verifiable Intent contributed. [fidoalliance.org](https://fidoalliance.org/fido-alliance-to-develop-standards-for-trusted-ai-agent-interactions/), read 4 Nov 2026. - Mastercard launches Agent Pay for Machines. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/press/2026/june/mastercard-launches-agent-pay-for-machines.html), read 4 Nov 2026. - Adyen launches Adyen Agentic. [adyen.com](https://www.adyen.com/press-and-media/adyen-agentic), read 4 Nov 2026. - Shopify makes UCP agent access self-serve (Spring 26 Edition). [shopify.com](https://shopify.com/news/spring-26-edition-dev), read 4 Nov 2026. - x402 Foundation operational launch with 40 members. [x402.org](https://x402.org/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications/), read 4 Nov 2026. - commercetools AI Hub generally available with UCP checkout in Gemini. [docs.commercetools.com](https://docs.commercetools.com/api/releases/2026-07-30-ai-hub-is-now-generally-available), read 4 Nov 2026. - Ninth Circuit vacates the injunction against Perplexity Comet on Amazon (Bloomberg Law). [news.bloomberglaw.com](https://news.bloomberglaw.com/ip-law/perplexity-overturns-amazon-ban-on-ai-shopping-bot-on-appeal), read 4 Nov 2026.Trade press - UCP release v2026-08-25 adds 3DS2, network token credentials and installments. [github.com](https://github.com/Universal-Commerce-Protocol/ucp/releases/tag/v2026-08-25), read 4 Nov 2026. - Meta launches Muse, paying through Stripe Link. [stripe.com](https://stripe.com/newsroom/news/stripe-helps-meta-muse-shop-with-link), read 4 Nov 2026. - Amazon blocks Muse from Amazon.com (SiliconANGLE). [siliconangle.com](https://siliconangle.com/2026/09/21/amazon-blocks-metas-muse-agent-from-shopping-on-users-behalf/), read 4 Nov 2026.Trade press - x402 spec adds the Lightning exact scheme. [github.com](https://github.com/x402-foundation/x402/blob/main/specs/schemes/exact/scheme_exact_lnbtc.md), read 4 Nov 2026. - Mastercard adds a probability score for AI-initiated transactions, testing in the US. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/press/2026/september/new-trust-and-intelligence-services.html), read 4 Nov 2026. - Shopify launches Shop MCP with Shop Pay checkout for any agent. [shopify.dev](https://shopify.dev/changelog/posts/add-shopping-and-shop-pay-checkout-to-any-agent-with-shop-mcp), read 4 Nov 2026. - Mastercard opens Agent Pay for Machines Early Access. [mastercard.com](https://www.mastercard.com/global/en/news-and-trends/press/2026/october/Mastercard-Agent-Pay-for-Machines-in-action.html), read 4 Nov 2026. - Walmart announces Agent Profiles, Agent Gateway beta and terms for AI agents. [corporate.walmart.com](https://corporate.walmart.com/news/2026/10/Making-It-Possible-for-Agents-to-Shop-on-Behalf-of-Customers), read 4 Nov 2026. - Visa Core Rules October edition takes effect; 10.4 evidence names agent provider login IDs. [usa.visa.com](https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf), read 4 Nov 2026. ## Profiles named in this guide - [Agentic Commerce Protocol (ACP)](https://agentreadycheckout.com/protocols/acp) - [Universal Commerce Protocol (UCP)](https://agentreadycheckout.com/protocols/ucp) - [Agent Payments Protocol (AP2)](https://agentreadycheckout.com/protocols/ap2) - [Mastercard Agent Pay for Machines (AP4M)](https://agentreadycheckout.com/protocols/agent-pay-for-machines) - [American Express Agentic Commerce Experiences (ACE)](https://agentreadycheckout.com/protocols/amex-ace) - [x402](https://agentreadycheckout.com/protocols/x402) - [Machine Payments Protocol (MPP)](https://agentreadycheckout.com/protocols/mpp) - [Verifiable Intent (VI)](https://agentreadycheckout.com/protocols/verifiable-intent) - [Stripe](https://agentreadycheckout.com/processors/stripe) - [Adyen Agentic](https://agentreadycheckout.com/processors/adyen-agentic) ## Read next - [How to test an agent purchase on your own store](https://agentreadycheckout.com/guides/test-an-agent-purchase) - [How an agent checkout actually flows, per protocol](https://agentreadycheckout.com/guides/how-an-agent-checkout-flows) - [The protocol support matrix](https://agentreadycheckout.com/matrix) ## Sources 1. [cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol), read 4 Nov 2026 2. [Stripe: Developing an open standard for agentic commerce](https://stripe.com/blog/developing-an-open-standard-for-agentic-commerce), read 4 Nov 2026 3. [Visa Introduces Trusted Agent Protocol](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21716.html), read 4 Nov 2026 4. [Cloudflare: Secure agentic commerce](https://blog.cloudflare.com/secure-agentic-commerce/), read 4 Nov 2026 5. [mastercard.com/us/en/news-and-trends/press/2025/october/Mastercard-and-PayPal-join-forces.html](https://www.mastercard.com/us/en/news-and-trends/press/2025/october/Mastercard-and-PayPal-join-forces.html), read 4 Nov 2026 6. [PayPal and Perplexity Launch Instant Buy](https://newsroom.paypal-corp.com/2025-11-PayPal-and-Perplexity-Launch-Instant-Buy), read 4 Nov 2026 7. [stripe.com/newsroom/news/agentic-commerce-suite](https://stripe.com/newsroom/news/agentic-commerce-suite), read 4 Nov 2026 8. [Conversations that Convert: Copilot Checkout and Brand Agents](https://about.ads.microsoft.com/en/blog/post/january-2026/conversations-that-convert-copilot-checkout-and-brand-agents), read 4 Nov 2026 9. [shopify.com/news/ai-commerce-at-scale](https://www.shopify.com/news/ai-commerce-at-scale), read 4 Nov 2026 10. [mastercard.com/us/en/news-and-trends/stories/2026/verifiable-intent.html](https://www.mastercard.com/us/en/news-and-trends/stories/2026/verifiable-intent.html), read 4 Nov 2026 11. [The Block: Tempo mainnet goes live with MPP](https://www.theblock.co/post/394131/tempo-mainnet-goes-live-with-machine-payments-protocol-for-agents), read 4 Nov 2026 12. [Powering Product Discovery in ChatGPT](https://openai.com/index/powering-product-discovery-in-chatgpt/), read 4 Nov 2026 13. [Linux Foundation launches the x402 Foundation](https://www.linuxfoundation.org/press/linux-foundation-is-launching-the-x402-foundation-and-welcoming-the-contribution-of-the-x402-protocol), read 4 Nov 2026 14. [Visa opens the door to AI-driven shopping (Intelligent Commerce Connect)](https://www.visa.co.uk/about-visa/newsroom/press-releases.3442048.html), read 4 Nov 2026 15. [Amex Agentic Commerce Experiences](https://www.americanexpress.com/en-us/company/agentic-commerce/), read 4 Nov 2026 16. [ACP changelog 2026-04-17](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol/blob/main/changelog/2026-04-17.md), read 4 Nov 2026 17. [Visa Core Rules and Visa Product and Service Rules, 24 October 2026](https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf), read 4 Nov 2026 18. [ACP MAINTAINERS.md](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol/blob/main/MAINTAINERS.md), read 4 Nov 2026 19. [FIDO Alliance to develop standards for trusted AI agent interactions](https://fidoalliance.org/fido-alliance-to-develop-standards-for-trusted-ai-agent-interactions/), read 4 Nov 2026 20. [Mastercard launches Agent Pay for Machines](https://www.mastercard.com/us/en/news-and-trends/press/2026/june/mastercard-launches-agent-pay-for-machines.html), read 4 Nov 2026 21. [adyen.com/press-and-media/adyen-agentic](https://www.adyen.com/press-and-media/adyen-agentic), read 4 Nov 2026 22. [shopify.com/news/spring-26-edition-dev](https://shopify.com/news/spring-26-edition-dev), read 4 Nov 2026 23. [x402 Foundation operational launch](https://x402.org/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications/), read 4 Nov 2026 24. [docs.commercetools.com/api/releases/2026-07-30-ai-hub-is-now-generally-available](https://docs.commercetools.com/api/releases/2026-07-30-ai-hub-is-now-generally-available), read 4 Nov 2026 25. [Perplexity Overturns Amazon Ban on AI Shopping Bot on Appeal](https://news.bloomberglaw.com/ip-law/perplexity-overturns-amazon-ban-on-ai-shopping-bot-on-appeal), read 4 Nov 2026 26. [UCP release v2026-08-25](https://github.com/Universal-Commerce-Protocol/ucp/releases/tag/v2026-08-25), read 4 Nov 2026 27. [Stripe helps Muse shop across the internet with Link](https://stripe.com/newsroom/news/stripe-helps-meta-muse-shop-with-link), read 4 Nov 2026 28. [Amazon blocks Meta's Muse agent from shopping on users' behalf](https://siliconangle.com/2026/09/21/amazon-blocks-metas-muse-agent-from-shopping-on-users-behalf/), read 4 Nov 2026 29. [x402 exact scheme on Lightning (lnbtc)](https://github.com/x402-foundation/x402/blob/main/specs/schemes/exact/scheme_exact_lnbtc.md), read 4 Nov 2026 30. [Mastercard trust and intelligence services](https://www.mastercard.com/us/en/news-and-trends/press/2026/september/new-trust-and-intelligence-services.html), read 4 Nov 2026 31. [shopify.dev/changelog/posts/add-shopping-and-shop-pay-checkout-to-any-agent-with-shop-mcp](https://shopify.dev/changelog/posts/add-shopping-and-shop-pay-checkout-to-any-agent-with-shop-mcp), read 4 Nov 2026 32. [Watch Mastercard Agent Pay for Machines in action](https://www.mastercard.com/global/en/news-and-trends/press/2026/october/Mastercard-Agent-Pay-for-Machines-in-action.html), read 4 Nov 2026 33. [corporate.walmart.com/news/2026/10/Making-It-Possible-for-Agents-to-Shop-on-Behalf-of-Customers](https://corporate.walmart.com/news/2026/10/Making-It-Possible-for-Agents-to-Shop-on-Behalf-of-Customers), read 4 Nov 2026 Last reviewed 4 Nov 2026 ## Edition Matrix edition of 4 Nov 2026. Reviewed 4 Nov 2026, [33 sources](#sources-h). ## Method [How cells, sources and read dates are defined](https://agentreadycheckout.com/method)