--- title: "Copilot: agent surface profile | Agent Ready Checkout" description: "Microsoft Copilot Checkout: In-chat checkout in Copilot for US buyers in USD, with PayPal. Matrix status, facts and sources." canonical: https://agentreadycheckout.com/surfaces/microsoft-copilot site: "Agent Ready Checkout" last_updated: 2026-11-04 section: "Agent surfaces" --- # Copilot: agent surface profile | Agent Ready Checkout > Microsoft Copilot Checkout: In-chat checkout in Copilot for US buyers in USD, with PayPal. Matrix status, facts and sources. Source: https://agentreadycheckout.com/surfaces/microsoft-copilot Site: Agent Ready Checkout Last reviewed: 2026-11-04 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](https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce) 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](https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce), 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](https://about.ads.microsoft.com/en/blog/post/january-2026/conversations-that-convert-copilot-checkout-and-brand-agents), read 4 Nov 2026. - Microsoft wrote it is 'adopting open standards like the Agentic Commerce Protocol (ACP)' for merchant onboarding. [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. - PayPal and Stripe merchants apply; Shopify merchants were enrolled automatically after an opt-out window. [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. - 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](https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce), 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](https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce), 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](https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce), 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](https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce), 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](https://windowsforum.com/threads/microsoft-copilot-shopping-update-adds-ucp-mobile-checkout-loyalty-and-woocommerce.414597/), read 4 Nov 2026.Trade press - Mastercard said it is actively working with Microsoft to bring Mastercard Agent Pay to Copilot Checkout. [mastercard.com](https://www.mastercard.com/us/en/news-and-trends/stories/2026/agentic-commerce-rules-of-the-road.html), read 4 Nov 2026.Vendor claim - Microsoft has a seat on the UCP Shopping Tech Council. [github.com](https://github.com/Universal-Commerce-Protocol/.github/blob/main/MAINTAINERS.md), read 4 Nov 2026. ## In the vendors section - [Microsoft (Copilot Checkout)](https://agentreadycheckout.com/vendors/microsoft-copilot), agent surface profile ## Compare and alternatives - [Copilot vs Google AI Mode](https://agentreadycheckout.com/compare/microsoft-copilot-vs-google-ai-mode-and-gemini-checkout) ## Sources 1. [Agentic Commerce, Microsoft Advertising](https://about.ads.microsoft.com/en/solutions/technology/agentic-commerce), read 4 Nov 2026 2. [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 3. [Microsoft Copilot Shopping Update: UCP, Mobile Checkout and Loyalty](https://windowsforum.com/threads/microsoft-copilot-shopping-update-adds-ucp-mobile-checkout-loyalty-and-woocommerce.414597/), read 4 Nov 2026 4. [The new rules of the road for agentic commerce](https://www.mastercard.com/us/en/news-and-trends/stories/2026/agentic-commerce-rules-of-the-road.html), read 4 Nov 2026 5. [UCP central MAINTAINERS.md](https://github.com/Universal-Commerce-Protocol/.github/blob/main/MAINTAINERS.md), read 4 Nov 2026 6. [Visa Introduces Trusted Agent Protocol](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21716.html), read 4 Nov 2026 7. [Find and Buy with AI: Visa Unveils New Era of Commerce](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21361.html), read 4 Nov 2026 8. [Amex Agentic Commerce Experiences](https://www.americanexpress.com/en-us/company/agentic-commerce/), read 4 Nov 2026 Last reviewed 4 Nov 2026 ## Edition Matrix edition of 4 Nov 2026. Reviewed 4 Nov 2026, [8 sources](#sources-h). ## Method [How cells, sources and read dates are defined](https://agentreadycheckout.com/method)