--- title: "Guides for merchants and payments teams | Agent Ready Checkout" description: "Twelve guides on agent checkout: flow per protocol, merchant of record, UCP on Shopify, ACP on Stripe, x402 for an API, chargebacks, testing and fees." canonical: https://agentreadycheckout.com/guides site: "Agent Ready Checkout" last_updated: 2026-11-04 section: "Guides" --- # Guides for merchants and payments teams | Agent Ready Checkout > Twelve guides on agent checkout: flow per protocol, merchant of record, UCP on Shopify, ACP on Stripe, x402 for an API, chargebacks, testing and fees. Source: https://agentreadycheckout.com/guides Site: Agent Ready Checkout Last reviewed: 2026-11-04 # Guides In short 12 guides for the people who have to make agent checkout work: how a checkout flows per protocol, who is merchant of record, how to support UCP on Shopify and ACP on Stripe, how to accept x402, and what changes at the WAF. Each opens with a short answer and lists its facts with sources and read dates. ## All guides - [**How an agent checkout actually flows, per protocol**](https://agentreadycheckout.com/guides/how-an-agent-checkout-flows) In every live flow the agent never becomes the seller: it discovers the product, builds a cart or session, obtains a scoped token or one-time card after the user approves. - [**Who is merchant of record in each protocol**](https://agentreadycheckout.com/guides/who-is-merchant-of-record) In ACP, UCP, Google AI Mode, Copilot Checkout, Perplexity Instant Buy and Muse purchases the merchant stays merchant of record. - [**How to support UCP on Shopify**](https://agentreadycheckout.com/guides/support-ucp-on-shopify) Shopify merchants do not build UCP: Shopify serves it. Turn on Agentic Storefronts in Admin, keep your catalog data clean, and check that /.well-known/ucp answers on your domain. - [**How to support ACP on Stripe**](https://agentreadycheckout.com/guides/support-acp-on-stripe) On Stripe, ACP support means accepting Shared Payment Tokens or using the Agentic Commerce Suite, which shares your catalog with agents and runs checkout. - [**How to accept x402 for an API**](https://agentreadycheckout.com/guides/accept-x402-for-an-api) Add x402 middleware that returns HTTP 402 with your price and accepted networks, verify and settle through a facilitator, and return the resource on retry. - [**What TAP and Agent Pay change at the WAF**](https://agentreadycheckout.com/guides/tap-and-agent-pay-at-the-waf) Visa TAP and Mastercard Agent Pay both sign agent requests with Web Bot Auth. - [**How to tell agent-initiated orders in your data**](https://agentreadycheckout.com/guides/tell-agent-initiated-orders) Today there is no single flag. - [**Chargebacks when an agent bought**](https://agentreadycheckout.com/guides/chargebacks-when-an-agent-bought) No network has an agent dispute code. - [**What to do if you are on none of the agent surfaces**](https://agentreadycheckout.com/guides/on-none-of-the-agent-surfaces) Start with the free paths: a clean Merchant Center feed for Google and Microsoft, a fast web checkout for ChatGPT referrals. - [**Pricing and fees as published**](https://agentreadycheckout.com/guides/pricing-and-fees-as-published) Most agent surfaces charge merchants nothing today; the costs sit with processors. - [**The history of agent payments, September 2025 to November 2026**](https://agentreadycheckout.com/guides/history-september-2025-to-now) Agent checkout went from one in-chat button in ChatGPT (September 2025) to competing protocols, card-network rules and standards bodies. - [**How to test an agent purchase on your own store**](https://agentreadycheckout.com/guides/test-an-agent-purchase) Run a sandbox order through each path you enable: Google's UCP sandbox validation, Stripe test mode with Shared Payment Tokens and Link Agent Wallet. ## Sources 1. [UCP specification overview](https://ucp.dev/latest/specification/overview/), read 4 Nov 2026 2. [agenticcommerce.dev/](https://www.agenticcommerce.dev/), read 4 Nov 2026 3. [shopify.com/news/agentic-commerce-momentum](https://shopify.com/news/agentic-commerce-momentum), read 4 Nov 2026 4. [stripe.com/newsroom/news/agentic-commerce-suite](https://stripe.com/newsroom/news/agentic-commerce-suite), read 4 Nov 2026 5. [x402.org](https://www.x402.org/), read 4 Nov 2026 6. [Cloudflare: Secure agentic commerce](https://blog.cloudflare.com/secure-agentic-commerce/), read 4 Nov 2026 7. [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 8. [Power product discovery in ChatGPT (merchants page)](https://chatgpt.com/merchants/), read 4 Nov 2026 9. [stripe.com/pricing](https://stripe.com/pricing), read 4 Nov 2026 10. [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 11. [bigcommerce.com/articles/ecommerce/google-agentic-checkout/](https://www.bigcommerce.com/articles/ecommerce/google-agentic-checkout/), read 4 Nov 2026 Last reviewed 4 Nov 2026 ## Edition Matrix edition of 4 Nov 2026. Reviewed 4 Nov 2026, [11 sources](#sources-h). ## Method [How cells, sources and read dates are defined](https://agentreadycheckout.com/method)