Agent surface profile
Microsoft Copilot Checkout
In short
In-chat checkout in Copilot for US buyers in USD, with PayPal, Shopify and Stripe as onboarding partners. Announced but not yet live: ACP, Visa TAP, Visa IC, and 2 more. Microsoft wrote it is 'adopting open standards like the Agentic Commerce Protocol (ACP)' for merchant onboarding. PayPal and Stripe merchants apply; Shopify merchants were enrolled automatically after an opt-out window.
Fact sheet
- Type
- Agent surface
- Operator
- Microsoft
- Homepage
- about.ads.microsoft.com
- Matrix reach
- 1 live, 0 pilot, 5 announced, 0 not supported, 6 with no statement found
- Published pricing
- Microsoft does not take a commission or affiliate fee on Copilot Checkout transactions today; merchants pay their own processor fees. about.ads.microsoft.com, read 4 Nov 2026
The column in full: every protocol
| Protocol | Status | Note | Source and read date |
|---|---|---|---|
| ACP | announced | Microsoft said in Jan 2026 it adopts ACP for Copilot Checkout onboarding; the current onboarding page names UCP feeds and not ACP | about.ads.microsoft.com, about.ads.microsoft.com, 4 Nov 2026 |
| UCP | live | Copilot Checkout onboarding requires a Microsoft Merchant Center account with a UCP-compliant feed; US, USD, English only. | about.ads.microsoft.com, 4 Nov 2026 |
| AP2 | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 |
| Visa TAP | announced | Visa lists Microsoft among Trusted Agent Protocol contributors; no Copilot deployment stated. | usa.visa.com, 4 Nov 2026 |
| Visa IC | announced | Visa named Microsoft as a Visa Intelligent Commerce AI partner at launch. | usa.visa.com, 4 Nov 2026 |
| Mastercard Agent Pay | 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 |
| Agent Pay for Machines | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 |
| Amex ACE | announced | Amex lists Microsoft among companies supporting its ACE developer kit; no live Copilot flow stated. | americanexpress.com, 4 Nov 2026 |
| x402 | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 |
| MPP | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 |
| Link for agents | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 |
| Verifiable Intent | no statement found | no statement found (2026-11-04) | about.ads.microsoft.com, 4 Nov 2026 |
| 1 live or pilot of 12 |
What Copilot does not do
- Microsoft is not merchant of record for Copilot Checkout orders.
- Not available to non-US buyers, non-USD pricing or non-English merchants at this time.
- Microsoft does not process the payment itself; PSP rails (Shopify, Stripe, PayPal) do.
Sourced facts
- Microsoft announced Copilot Checkout rolling out in the US on Copilot.com with partner activation across PayPal, Shopify and Stripe. about.ads.microsoft.com, read 4 Nov 2026.
- Microsoft wrote it is 'adopting open standards like the Agentic Commerce Protocol (ACP)' for merchant onboarding. about.ads.microsoft.com, read 4 Nov 2026.
- PayPal and Stripe merchants apply; Shopify merchants were enrolled automatically after an opt-out window. about.ads.microsoft.com, read 4 Nov 2026.
- Microsoft's agentic commerce page requires a Microsoft Merchant Center account with a UCP-compliant feed, or a trusted partner path, to onboard to Copilot Checkout. about.ads.microsoft.com, read 4 Nov 2026.
- Microsoft says only English-language merchants selling to US buyers in USD are eligible at this time. about.ads.microsoft.com, read 4 Nov 2026.
- Microsoft says it takes no commission or affiliate fee today; merchants stay merchant of record and payments run on existing rails such as Shopify, Stripe and PayPal. about.ads.microsoft.com, read 4 Nov 2026.
- Trusted partners named: PayPal Store Sync, Shopify (auto-enrolled with admin controls), and Stripe's Agentic Commerce Suite. about.ads.microsoft.com, read 4 Nov 2026.
- Trade press reported Copilot Checkout expanded to mobile apps and over 500,000 US merchants, with Target loyalty handling. windowsforum.com, read 4 Nov 2026.Trade press
- Mastercard said it is actively working with Microsoft to bring Mastercard Agent Pay to Copilot Checkout. mastercard.com, read 4 Nov 2026.Vendor claim
- Microsoft has a seat on the UCP Shopping Tech Council. github.com, read 4 Nov 2026.
In the vendors section
- Microsoft (Copilot Checkout), agent surface profile
Compare and alternatives
Sources
- Agentic Commerce, Microsoft Advertising, read 4 Nov 2026
- Conversations that Convert: Copilot Checkout and Brand Agents, read 4 Nov 2026
- Microsoft Copilot Shopping Update: UCP, Mobile Checkout and Loyalty, read 4 Nov 2026
- The new rules of the road for agentic commerce, read 4 Nov 2026
- UCP central MAINTAINERS.md, read 4 Nov 2026
- Visa Introduces Trusted Agent Protocol, read 4 Nov 2026
- Find and Buy with AI: Visa Unveils New Era of Commerce, read 4 Nov 2026
- Amex Agentic Commerce Experiences, read 4 Nov 2026
Last reviewed