Protocol profile
Mastercard Agent Pay
In short
Mastercard's agentic payments program: registered agents transact with Mastercard agentic tokens, merchants verify agents through Web Bot Auth at the CDN. For Mastercard Agent Pay, merchant of record is merchant and dispute rules are evidence only. Announced but not yet live: Stripe, Adyen, PayPal, and 5 more. Checkout.com (pilot): Agentic page diagram connects to Mastercard Agent Pay; waitlist.
Fact sheet
- Type
- Protocol
- Operator
- Mastercard
- Homepage
- mastercard.com
- Matrix reach
- 1 live, 1 pilot, 8 announced, 0 not supported, 17 with no statement found
Readiness for merchants
Seven rows, each read from a primary source on 4 Nov 2026. The method page defines every row.
| Rubric row | Reading | Evidence | Source and read date |
|---|---|---|---|
| Specification public | Partial | Framework described publicly; token and API specs sit on Mastercard Developers. | mastercard.com, 4 Nov 2026 |
| Reference implementation | Partial | No open-source reference; Cloudflare validates Web Bot Auth signatures. | blog.cloudflare.com, 4 Nov 2026 |
| Live surfaces | None confirmed | Microsoft Copilot integration is in progress per Mastercard; no surface states live Agent Pay tokens. | mastercard.com, 4 Nov 2026 |
| Processor support | Partial | Stripe may use Agent Pay tokens for SPTs; Crossmint uses them where supported; PayPal wallet integration announced. | docs.stripe.com, 4 Nov 2026 |
| Merchant of record | Merchant | Agent Pay tokenises the cardholder credential; the merchant sells. | mastercard.com, 4 Nov 2026 |
| Dispute rules | Evidence only | Purchase intent data supports disputes; the public rulebooks contain no agent-specific provision. | mastercard.com, 4 Nov 2026 |
| Cost | Not published | No fee is published. | mastercard.com, 4 Nov 2026 |
The row in full: every column
| Column | Status | Note | Source and read date |
|---|---|---|---|
| Stripe | announced | SPT docs say Stripe may use Mastercard Agent Pay tokens on the seller's behalf; no merchant-facing control documented | docs.stripe.com, 4 Nov 2026 |
| Adyen | announced | Mastercard named a strategic partner of Adyen Agentic; no Agent Pay integration detail published | adyen.com, 4 Nov 2026 |
| PayPal | announced | Mastercard said Agent Pay will integrate with PayPal's wallet | mastercard.com, 4 Nov 2026 |
| Checkout.com | pilot | Agentic page diagram connects to Mastercard Agent Pay; waitlist | checkout.com, 4 Nov 2026 |
| Braintree | announced | Mastercard said it will work with Braintree on agentic tokenization at Agent Pay launch | mastercard.com, 4 Nov 2026 |
| Worldpay | no statement found | no statement found (2026-11-04) | worldpay.com, 4 Nov 2026 |
| Coinbase | no statement found | no statement found (2026-11-04) | docs.cdp.coinbase.com, 4 Nov 2026 |
| Crossmint | live | Agent Checkouts uses Agent Pay one-time card numbers for eligible Mastercard cards | docs.crossmint.com, 4 Nov 2026 |
| Skyfire | announced | Mastercard working with Skyfire KYA within Agent Pay trust services; scoring in US testing | mastercard.com, 4 Nov 2026 |
| PayOS | announced | PYMNTS reported on 29 Sep 2025 that PayOS and Mastercard completed a live payment with a Mastercard Agentic Token; PayOS's own agent-token page does not name Mastercard | pymnts.com, 4 Nov 2026 |
| Shopify | no statement found | no statement found (2026-11-04) | shopify.dev, 4 Nov 2026 |
| BigCommerce | no statement found | no statement found (2026-11-04) | bigcommerce.com, 4 Nov 2026 |
| Salesforce CC | no statement found | no statement found (2026-11-04) | salesforce.com, 4 Nov 2026 |
| Adobe Commerce | no statement found | no statement found (2026-11-04) | experienceleague.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 | no statement found | no statement found (2026-11-04) | help.etsy.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 | Mastercard named Google among partners on Agent Pay; Google's UCP help page says checkout uses standard FPANs today | mastercard.com, support.google.com, 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 | announced | Mastercard says it is actively working with Microsoft to bring Agent Pay to Copilot Checkout; Microsoft has not confirmed live. | mastercard.com, 4 Nov 2026 |
| 2 live or pilot of 27 |
What Mastercard Agent Pay does not do
- Does not appear in the public Mastercard Rules or Transaction Processing Rules (June 2026 editions).
- Does not publish merchant pricing.
- Does not make the probability score generally available: US testing only.
Sourced facts
- Mastercard unveiled Agent Pay on 29 Apr 2025, introducing agentic tokens for AI-initiated payments. mastercard.com, read 4 Nov 2026.
- The Agent Pay Acceptance Framework registers and verifies agents before they transact; each agent is uniquely identified and uses agentic tokens. mastercard.com, read 4 Nov 2026.
- Verified agents can submit a Dynamic Token Verification Code, an agentic token formatted for standard card fields, through existing checkout forms. mastercard.com, read 4 Nov 2026.
- Merchants can verify agents with no code changes by applying Web Bot Auth at the CDN layer, per the framework. mastercard.com, read 4 Nov 2026.
- The framework provides purchase intent data (cart contents, limits, validity windows) that "may be used to help avoid and/or resolve potential cardholder disputes". mastercard.com, read 4 Nov 2026.
- On 30 Sep 2026 Mastercard added trust and intelligence services to Agent Pay; the first is a probability score that a transaction was initiated by an AI agent, rolling out for testing in the US. mastercard.com, read 4 Nov 2026.
- The same release names Cloudflare (privacy-preserving signal sharing) and Skyfire (Know Your Agent identity) as partners. mastercard.com, read 4 Nov 2026.
- Mastercard and PayPal announced on 27 Oct 2025 that Agent Pay will integrate with PayPal's wallet. mastercard.com, read 4 Nov 2026.
- Mastercard said in Jan 2026 it is working with Microsoft to bring Agent Pay to Copilot Checkout. mastercard.com, read 4 Nov 2026.
- A full-text query of the public Mastercard Rules (2 Jun 2026) and Transaction Processing Rules (9 Jun 2026) returned no provision naming agentic transactions or AI agents. mastercard.com, read 4 Nov 2026.
In the vendors section
- Mastercard, card network profile
Compare and alternatives
Sources
- Mastercard Agent Pay, read 4 Nov 2026
- mastercard.com/us/en/news-and-trends/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technolog, read 4 Nov 2026
- Mastercard Agent Pay Acceptance Framework, read 4 Nov 2026
- Mastercard trust and intelligence services, read 4 Nov 2026
- mastercard.com/us/en/news-and-trends/press/2025/october/Mastercard-and-PayPal-join-forces.html, read 4 Nov 2026
- The new rules of the road for agentic commerce, read 4 Nov 2026
- Mastercard Rules, 2 June 2026, read 4 Nov 2026
- Cloudflare: Secure agentic commerce, read 4 Nov 2026
- docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md, read 4 Nov 2026
- adyen.com/press-and-media/adyen-agentic, read 4 Nov 2026
- checkout.com/agentic-commerce, read 4 Nov 2026
- docs.crossmint.com/agents/cards/rails-and-pci.md, read 4 Nov 2026
- pymnts.com/, read 4 Nov 2026
- Mastercard unveils new tools and collaborations, read 4 Nov 2026
Last reviewed