--- title: "AP2: protocol profile | Agent Ready Checkout" description: "Agent Payments Protocol (AP2): A mandate-based protocol in which signed verifiable credentials record what the user. Matrix status, facts and sources." canonical: https://agentreadycheckout.com/protocols/ap2 site: "Agent Ready Checkout" last_updated: 2026-11-04 section: "Protocols" --- # AP2: protocol profile | Agent Ready Checkout > Agent Payments Protocol (AP2): A mandate-based protocol in which signed verifiable credentials record what the user. Matrix status, facts and sources. Source: https://agentreadycheckout.com/protocols/ap2 Site: Agent Ready Checkout Last reviewed: 2026-11-04 Protocol profile # Agent Payments Protocol (AP2) In short A mandate-based protocol in which signed verifiable credentials record what the user authorised, giving issuers, merchants and networks an audit trail for human-present and human-not-present agent payments. For AP2, merchant of record is merchant and dispute rules are evidence only. Announced but not yet live: Adyen, PayPal, Worldpay, and 7 more. ## Fact sheet Type Protocol Operator FIDO Alliance (donated by Google, April 2026) Homepage [ap2-protocol.org](https://ap2-protocol.org/) Governance FIDO Alliance Payments TWG and Agentic Authentication TWG Matrix reach 0 live, 1 pilot, 10 announced, 0 not supported, 16 with no statement found ## Readiness for merchants Seven rows, each read from a primary source on 4 Nov 2026. The [method page](https://agentreadycheckout.com/method) defines every row. | Rubric row | Reading | Evidence | Source and read date | | --- | --- | --- | --- | | Specification public | Yes | Specification, SDK and samples are public on GitHub under Apache 2.0. | github.com, 4 Nov 2026 | | Reference implementation | Samples | The repository contains Python, Go and Android sample scenarios, not a production service. | github.com, 4 Nov 2026 | | Live surfaces | None confirmed | Google has announced AP2 for Gemini Spark; no surface states AP2 is live for merchants. | blog.google, 4 Nov 2026 | | Processor support | Announced | PayPal, Adyen, Worldpay, Coinbase and others were named collaborators at launch; no processor documents a production AP2 path. | cloud.google.com, 4 Nov 2026 | | Merchant of record | Merchant | The merchant receives the Checkout Mandate and completes the sale; AP2 does not make the agent the seller. | ap2-protocol.org, 4 Nov 2026 | | Dispute rules | Evidence only | Mandates create an audit trail for disputes; liability is left to network rules. | ap2-protocol.org, 4 Nov 2026 | | Cost | No protocol fee | Open specification; no fee is published. | ap2-protocol.org, 4 Nov 2026 | ## The row in full: every column | Column | Status | Note | Source and read date | | --- | --- | --- | --- | | Stripe | no statement found | no statement found (2026-11-04) | docs.stripe.com, 4 Nov 2026 | | Adyen | announced | Named among AP2 collaborators in Google's AP2 launch post | cloud.google.com, 4 Nov 2026 | | PayPal | announced | Named among AP2 collaborators in Google's AP2 launch post | cloud.google.com, 4 Nov 2026 | | Checkout.com | pilot | Agentic page lists AP2 for proof of intent; access via waitlist | checkout.com, 4 Nov 2026 | | Braintree | no statement found | no statement found (2026-11-04) | developer.paypal.com, 4 Nov 2026 | | Worldpay | announced | Named among AP2 collaborators in Google's AP2 launch post | cloud.google.com, 4 Nov 2026 | | Coinbase | announced | Coinbase launched an x402 extension for AP2 (A2A x402); demo was proof of concept | coinbase.com, 4 Nov 2026 | | Crossmint | announced | Named among AP2 collaborators in Google's AP2 launch post | cloud.google.com, 4 Nov 2026 | | Skyfire | no statement found | no statement found (2026-11-04) | docs.skyfire.xyz, 4 Nov 2026 | | PayOS | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 | | Shopify | announced | Shopify says UCP supports AP2 alongside REST, MCP and A2A; no Shopify AP2 mandate flow documented | shopify.com, 4 Nov 2026 | | BigCommerce | no statement found | no statement found (2026-11-04) | bigcommerce.com, 4 Nov 2026 | | Salesforce CC | announced | Named AP2 collaborator with a launch quote; no Agentforce Commerce AP2 feature documented | cloud.google.com, 4 Nov 2026 | | Adobe Commerce | announced | Adobe cites an earlier announcement of AP2 support; no shipped AP2 feature documented | business.adobe.com, 4 Nov 2026 | | commercetools | no statement found | no statement found (2026-11-04) | docs.commercetools.com, 4 Nov 2026 | | WooCommerce | no statement found | no statement found (2026-11-04) | woocommerce.com, 4 Nov 2026 | | Amazon | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 | | Walmart | no statement found | no statement found (2026-11-04) | corporate.walmart.com, 4 Nov 2026 | | Target | no statement found | no statement found (2026-11-04) | corporate.target.com, 4 Nov 2026 | | Etsy | announced | Named among AP2 collaborators at launch; no Etsy AP2 flow published | cloud.google.com, 4 Nov 2026 | | Wayfair | no statement found | no statement found (2026-11-04) | aboutwayfair.com, 4 Nov 2026 | | ChatGPT | no statement found | no statement found (2026-11-04) | chatgpt.com, 4 Nov 2026 | | Google AI Mode | announced | Google said at I/O it will bring AP2 to Google products in coming months, starting with Gemini Spark. | blog.google, 4 Nov 2026 | | Perplexity | no statement found | no statement found (2026-11-04) | perplexity.ai, 4 Nov 2026 | | Amazon Rufus | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 | | Meta Muse | no statement found | no statement found (2026-11-04) | about.fb.com, 4 Nov 2026 | | Copilot | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 | | | | 1 live or pilot of 27 | | | | ## What AP2 does not do - Does not carry the payment itself: it wraps cards, x402 or other rails. - Does not assign chargeback liability; it supplies evidence. - Has no confirmed live consumer surface as of 4 Nov 2026. ## Sourced facts - Google announced AP2 on 16 Sep 2025 with more than 60 collaborating organisations, as an extension usable with A2A and MCP. [cloud.google.com](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol), read 4 Nov 2026. - The AP2 GitHub repository published v0.1.0 on 16 Sep 2025 and v0.2.0 on 28 Apr 2026. [github.com](https://github.com/google-agentic-commerce/AP2/releases), read 4 Nov 2026. - The FIDO Alliance formed an Agentic Authentication Technical Working Group and a Payments Technical Working Group on 28 Apr 2026, building on Google's AP2 and Mastercard's Verifiable Intent contributions. [fidoalliance.org](https://fidoalliance.org/fido-alliance-to-develop-standards-for-trusted-ai-agent-interactions/), read 4 Nov 2026. - The FIDO Payments Technical Working Group is chaired by Mastercard and Visa; the Agentic Authentication group is chaired by CVS Health, Google and OpenAI. [fidoalliance.org](https://fidoalliance.org/fido-alliance-to-develop-standards-for-trusted-ai-agent-interactions/), read 4 Nov 2026. - FIDO published "Google donates Agent Payments Protocol to FIDO Alliance" on 29 Apr 2026, noting AP2 v0.2 added Human Not Present payments on pre-authorised instructions. [fidoalliance.org](https://fidoalliance.org/google-donates-agent-payments-protocol-to-fido-alliance/), read 4 Nov 2026. - The current AP2 site defines a Checkout Mandate (items and purchase details, shared with the merchant) and a Payment Mandate (authorisation against an instrument, shared with credential provider, network and processor), each with open and closed stages. [ap2-protocol.org](https://ap2-protocol.org/), read 4 Nov 2026. - The v0.1 launch described Intent, Cart and Payment mandates; the v0.2 site uses Checkout and Payment mandates, so older guides use different names. [cloud.google.com](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol), read 4 Nov 2026. - AP2 says it provides "a non-repudiable, cryptographic audit trail for every transaction, aiding in dispute resolution" but does not assign liability. [ap2-protocol.org](https://ap2-protocol.org/), read 4 Nov 2026. - The initial version supports pull payments such as cards; real-time bank push payments (UPI, PIX) are roadmap items; x402 samples exist through the A2A x402 extension. [ap2-protocol.org](https://ap2-protocol.org/), read 4 Nov 2026. - Google said at I/O 2026 it will bring AP2 to Google products, starting with Gemini Spark. [blog.google](https://blog.google/products-and-platforms/products/shopping/google-shopping-cart/), read 4 Nov 2026.Vendor claim ## In the vendors section - [UnionPay International](https://agentreadycheckout.com/vendors/unionpay-international), card network profile - [Google Pay](https://agentreadycheckout.com/vendors/google-pay), wallet profile - [Google (AI Mode and Gemini checkout)](https://agentreadycheckout.com/vendors/google-ai-mode-gemini), agent surface profile - [FIDO Alliance](https://agentreadycheckout.com/vendors/fido-alliance), rules or identity programme profile ## Compare and alternatives - [UCP vs AP2](https://agentreadycheckout.com/compare/ucp-vs-ap2) - [ACP vs AP2](https://agentreadycheckout.com/compare/acp-vs-ap2) - [AP2 vs Verifiable Intent](https://agentreadycheckout.com/compare/ap2-vs-verifiable-intent) ## Sources 1. [AP2 protocol site](https://ap2-protocol.org/), read 4 Nov 2026 2. [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 3. [AP2 releases](https://github.com/google-agentic-commerce/AP2/releases), read 4 Nov 2026 4. [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 5. [Google donates AP2 to FIDO Alliance](https://fidoalliance.org/google-donates-agent-payments-protocol-to-fido-alliance/), read 4 Nov 2026 6. [Introducing the Universal Cart](https://blog.google/products-and-platforms/products/shopping/google-shopping-cart/), read 4 Nov 2026 7. [AP2 repository](https://github.com/google-agentic-commerce/AP2), read 4 Nov 2026 8. [checkout.com/agentic-commerce](https://www.checkout.com/agentic-commerce), read 4 Nov 2026 9. [coinbase.com/developer-platform/discover/launches/google\_x402](https://www.coinbase.com/developer-platform/discover/launches/google_x402), read 4 Nov 2026 10. [shopify.com/news/ai-commerce-at-scale](https://www.shopify.com/news/ai-commerce-at-scale), read 4 Nov 2026 11. [business.adobe.com/blog/adobe-commerce-commits-to-agentic-commerce-standards](https://business.adobe.com/blog/adobe-commerce-commits-to-agentic-commerce-standards), 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)