Reference
Vendors in agent checkout
In short
73 vendors in 8 types sit on the pay layer for agents: 13 processors, 4 networks, 6 wallets, 19 agent-pay builders, 9 platforms, 6 surfaces, 9 retailers and 7 rules programmes. Each profile gives its sourced facts, the standards it states, its price lines and agent-readiness checks, with a read date on every one. Edition of 5 Nov 2026.
How the list was built
A company or programme is a row when its own pages say what it does for agent payments. A name that appears only on a partner list is left out. Every row was read on 5 Nov 2026, and every fact on a profile carries its own source and read date.
The 22 company profiles and 5 retailers already in the protocol support matrix are rows here, linked both ways, and the 12 protocols are represented by their operators. The remaining rows came from the partner and endorser lists of ACP, UCP, AP2, Visa's Trusted Agent Protocol, Mastercard Agent Pay and x402, and then from each vendor's own pages. The matrix keeps its edition of 4 Nov 2026.
The rows run alphabetically inside each type. Nothing on this list is ranked, and a check on file is a reading, not a verdict.
Vendors by type
| Type | Vendors | What the type covers |
|---|---|---|
| Processors | 13 | A processor authorises and settles the payments a merchant accepts, whether a person or an agent started them. |
| Card networks | 4 | A card network sets the rules through which issuing banks, acquirers and merchants move card payments. |
| Wallets and pay-later services | 6 | A wallet or pay-later service holds a buyer's payment details and approves a charge when the buyer confirms. |
| Agent-pay builders | 19 | An agent-pay company supplies the wallets, accounts, tokens or checkout calls that let software hold or spend money. |
| Commerce platforms | 9 | A commerce platform is the software a merchant runs its catalogue, cart and checkout on. |
| Agent surfaces | 6 | An agent surface is the assistant, browser or app in which a shopper hands a task, such as a purchase, to an agent. |
| Retailers | 9 | A retailer sells the goods an agent may buy and sets its own terms for agent access. |
| Rules and identity programmes | 7 | A rules or identity programme defines how an agent is identified, verified or authorised before a payment goes through. |
| All types | 73 |
Processors
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| Adyen | Global acquirer and PSP whose Adyen Agentic suite (feed, cart and payments APIs) lets enterprise merchants accept agent orders over ACP and UCP while staying merchant of record. | Partial 2: ACP, UCP Announced 7: AP2, Visa TAP, Visa IC, Mastercard Agent Pay, Agent Pay for Machines, Amex ACE, x402 | per transaction | Ora: 71/100 (B), 4 Nov 2026 isitagentready: 13/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Airwallex | Global payments and treasury company selling an Agentic Commerce Suite (agent checkout SDK, agentic token vault, agent risk SDK, ACP and UCP acceptance) and AgentOS, an MCP and CLI toolkit for agents to run an Airwallex account. | Supports 2: ACP, UCP Announced 1: AP2 | None on file | Ora: 71/100 (B), 4 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Braintree (PayPal Enterprise Payments) | PayPal's enterprise processing platform; the processing path for PayPal Agent Ready's ACP payments in ChatGPT and one of two UCP paths for Google AI Mode and Gemini. | Supports 2: ACP, UCP Announced 1: Mastercard Agent Pay | per transaction | Ora: 38/100 (D), 23 Sep 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Checkout.com | Enterprise acquirer and PSP that is a certified ACP payment handler for ChatGPT, processes UCP payments for Gemini and AI Mode over Google Pay rails, and checks agent identity with Visa TAP. | Partial 7: ACP, UCP, AP2, Visa TAP, Visa IC, Mastercard Agent Pay, Verifiable Intent Announced 1: Agent Pay for Machines | None on file | Ora: 73/100 (B), 21 Oct 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Fiserv | Merchant acquirer and owner of the Clover point-of-sale platform; deploying Visa's Trusted Agent Protocol and Visa Intelligent Commerce across its acceptance network and adopting Mastercard's Agent Pay Acceptance Framework. | Announced 5: UCP, Visa TAP, Visa IC, Mastercard Agent Pay, x402 | None on file | Ora: 50/100 (C), 26 Oct 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Gr4vy | Payment orchestration platform with an Agentic Developer Kit that helps merchants put a storefront inside AI environments such as ChatGPT and route agent transactions across 400+ PSPs and methods. | Announced 1: AP2 | None on file | Ora: no cached score isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| J.P. Morgan Payments | JPMorgan Chase's merchant acquiring and payments business; in a March 2026 global agreement it supplies the payment processing behind Mirakl Nexus agent checkout, in closed beta with select retailers. | No statement found | None on file | Ora: 54/100 (C), 11 Oct 2026 isitagentready: no result | 5 Nov 2026 |
| Nuvei | Global payments processor building Nuvei Agentic, a protocol-agnostic execution layer with a Know Your Agent registry; completed a live in-agent purchase on Visa rails in July 2026. | Partial 1: Visa IC Announced 3: ACP, AP2, Mastercard Agent Pay | None on file | Ora: 67/100 (C), 15 Oct 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| PayPal | Wallet and payments company whose agentic commerce services (Agent Ready for payments, Store Sync for catalogs) connect PayPal and Braintree merchants to ChatGPT, Google AI Mode, Gemini and other assistants. | Supports 2: ACP, UCP Announced 2: AP2, Mastercard Agent Pay | None on file | Ora: 70/100 (B), 4 Nov 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Razorpay | Indian payments company that launched Agentic Payments with NPCI and OpenAI in October 2025, letting users pre-authorise an AI agent to pay over UPI within set limits, and sells an agentic payments suite for in-app, in-chat and voice commerce. | No statement found | None on file | Ora: 87/100 (A), 1 Nov 2026 isitagentready: 80/100 (L5 Agent-Native), 5 Nov 2026 | 5 Nov 2026 |
| Stripe | Payments processor that co-developed ACP with OpenAI and MPP with Tempo, issues Shared Payment Tokens to agents, sells the Agentic Commerce Suite to merchants and runs Link as an agent wallet. | Supports 5: ACP, UCP, x402, MPP, Link for agents Announced 5: Visa TAP, Visa IC, Mastercard Agent Pay, Agent Pay for Machines, Amex ACE | per transaction | Ora: 75/100 (B), 4 Nov 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Worldline | European acquirer and payment processor that says agent-driven payments are in production on Visa and Mastercard with ING and Credit Agricole, and an acquiring partner for Ant International's Agentic Mobile Protocol. | No statement found | None on file | Ora: 40/100 (D), 23 Aug 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Worldpay | Merchant acquirer, now part of Global Payments, offering fraud checks, credential management and orchestration for agent-initiated payments, TAP work with Visa and Cloudflare, and MCP servers for developers. | Announced 5: ACP, UCP, AP2, Visa TAP, Agent Pay for Machines | None on file | Ora: 59/100 (C), 23 Sep 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
Card networks
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| American Express | Card network and issuer that publishes the Agentic Commerce Experiences (ACE) developer kit: agent registration, account enablement, intent intelligence, tokenised payment credentials and cart context for agent purchases on Amex cards. | Partial 1: Amex ACE Announced 2: UCP, AP2 | None on file | Ora: 44/100 (D), 22 Aug 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Mastercard | Card network behind Mastercard Agent Pay (agentic tokens for registered agents), Agent Pay for Machines, Verifiable Intent and developer tooling such as the Agent Toolkit MCP server. | Supports 1: Mastercard Agent Pay Partial 2: Agent Pay for Machines, Verifiable Intent Announced 2: UCP, AP2 | None on file | Ora: 43/100 (D), 1 Nov 2026 isitagentready: no result | 5 Nov 2026 |
| UnionPay International | International arm of the UnionPay card scheme; released the Agentic Payment Open Protocol (APOP) framework in April 2026 for agent identity, intent management and payment authorisation on UnionPay's acceptance network. | Announced 1: AP2 | None on file | Ora: no cached score isitagentready: 0/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| Visa | Card network that runs Visa Intelligent Commerce: tokenised agent credentials, spend controls, the Trusted Agent Protocol for agent identity and Intelligent Commerce Connect as a multi-network on-ramp for agent payments. | Supports 1: Visa TAP Partial 4: ACP, UCP, Visa IC, MPP Announced 1: x402 | None on file | Ora: 56/100 (C), 29 Oct 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
Wallets and pay-later services
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| Affirm | Pay-over-time network that supports Google's AP2 to put buy now, pay later into agent checkouts, integrates with Google Pay and Chrome autofill, and endorses UCP. | Announced 2: UCP, AP2 | None on file | Ora: 65/100 (C), 15 Oct 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Ant International (Alipay+) | Operator of the Alipay+ wallet network and Antom; authored the open Agentic Mobile Protocol (AMP) for agent payments from wallets and super apps, and is an AP2 launch partner and TAP early partner. | Announced 2: AP2, Visa TAP | None on file | Ora: no cached score isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Google Pay | Google's wallet and the payment handler (com.google.pay) behind UCP checkout in AI Mode and Gemini; merchants publish their Google Pay configuration and platforms produce an encrypted token for the merchant's PSP. | Supports 1: UCP | None on file | Ora: no cached score isitagentready: 20/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| Klarna | Flexible payments provider and digital bank that launched the Agentic Product Protocol, an open product and price feed for AI agents, and is a pay-later method in agent checkouts and a UCP endorser. | Announced 1: UCP | per transaction (merchant) | Ora: 64/100 (C), 16 Oct 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Link (Stripe) | Stripe's consumer wallet, used by more than 300 million people per Stripe, that agents can draw on through Link Agent Wallet: the customer approves each spend request and the agent receives a one-time payment credential. | Supports 1: Link for agents | None on file | Ora: no cached score isitagentready: 13/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| Shop Pay | Shopify's wallet, which agents can use through Shop MCP: a signed-in shopper pays with saved Shop Pay details without leaving the agent, and orders land in the merchant's Shopify admin. | Supports 1: UCP | None on file | Ora: 25/100 (F), 19 Apr 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
Agent-pay builders
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| Alchemy | Blockchain developer platform whose agent offering gives agents a card to spend anywhere cards are accepted, one endpoint to accept agent payments across protocols, wallets and access to 100+ chains. | No statement found | None on file | Ora: 78/100 (B), 14 Sep 2026 isitagentready: 33/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Catena | Governance and banking platform for AI agents: per-agent identities and accounts, deterministic spending policies and payments over cards, ACH, wires and stablecoins. | No statement found | None on file | Ora: no cached score isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Circle | Issuer of USDC and EURC whose Agent Stack gives agents wallets and balances, a machine-readable marketplace of paid services and x402 payments across supported chains. | Supports 1: x402 | None on file | Ora: 79/100 (B), 28 Oct 2026 isitagentready: 27/100 (L2 Bot-Aware), 5 Nov 2026 | 5 Nov 2026 |
| Coinbase Developer Platform | Coinbase's developer platform: creator of x402, operator of the CDP x402 facilitator, and maker of Agentic Wallet, a stablecoin wallet with spending limits that agents use to pay for APIs and services. | Supports 1: x402 Partial 1: Agent Pay for Machines Announced 2: AP2, Visa TAP | per onchain transaction | Ora: 61/100 (C), 2 Nov 2026 isitagentready: 53/100 (L4 Agent-Integrated), 5 Nov 2026 | 5 Nov 2026 |
| Crossmint | Agent payments infrastructure: a card vault with network agentic tokens, Agent Cards, non-custodial stablecoin Agent Wallets for x402 and MPP, and Agent Checkouts that buy on any website through protocols or a browser. | Supports 5: UCP, Visa IC, Mastercard Agent Pay, x402, MPP Announced 3: AP2, Agent Pay for Machines, Amex ACE | per monthly active wallet | Ora: 71/100 (B), 11 Oct 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Firmly | Agentic commerce platform that extends a merchant's real-time catalog, product pages and checkout into AI agents, articles, marketplaces, ads and CTV; an early Mastercard Agent Pay enabler. | Announced 1: Mastercard Agent Pay | None on file | Ora: 52/100 (C), 24 Aug 2026 isitagentready: 0/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| Highnote | Card issuing and acquiring platform that issues virtual cards to AI agents with programmable controls evaluated at authorisation; a pilot partner of Visa Intelligent Commerce Connect. | Partial 1: Visa IC | None on file | Ora: 81/100 (B), 24 Sep 2026 isitagentready: 33/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Kite | Payments chain for agents: an EVM-compatible blockchain with native stablecoin settlement, plus Kite Passport for agent identity, budgets and permissions, and SDKs for agent workflows. | No statement found | None on file | Ora: 52/100 (C), 28 Sep 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Lightspark | Money-movement API for accounts, payments, cards and stablecoins with Bitcoin Lightning support; its agentic payments capability gives agents bounded spending authority over Global Accounts. | Announced 1: AP2 | None on file | Ora: no cached score isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Lithic | Card issuing platform that gives AI agents virtual cards with merchant locking, single-use cards and contextual authorisation rules, plus an MCP server and programmatic dispute handling. | No statement found | None on file | Ora: 62/100 (C), 29 Jun 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| MoonPay | Crypto on-ramp company whose MoonAgents gives AI agents a wallet, a virtual account, zero-fee stablecoin on-ramps and skills; a top-tier member of the x402 Foundation. | Announced 1: x402 | free stablecoin on-ramp | Ora: 75/100 (B), 27 Oct 2026 isitagentready: 33/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Nevermined | Payments infrastructure for AI agents: spend mandates enforced per agent, Nevermined Pay across cards, Visa agentic tokens and crypto, an MCP server for coding agents and a catalog of services paid per call. | Announced 1: Visa IC | subscription | Ora: 60/100 (C), 28 Sep 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Payman AI | Agentic banking vendor that deploys AI agents inside banks and credit unions to execute real transactions for customers under the institution's control. | No statement found | None on file | Ora: no cached score isitagentready: 27/100 (L2 Bot-Aware), 5 Nov 2026 | 5 Nov 2026 |
| PayOS | Processor-agnostic payments data and agent-token company: issues network agentic tokens with merchant, amount and time limits for agents, and sells card, bank and agent data per API call. | Announced 2: Mastercard Agent Pay, Agent Pay for Machines | prepaid credits per API call | Ora: no cached score isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Rye | Universal Checkout API for AI apps and agents: given a product URL and a payment token, Rye returns landed costs and completes the order with the merchant, using AI browser automation with fraud-mitigation techniques. | No statement found | monthly plan plus per order | Ora: no cached score isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Skyfire | Agent identity and payments network that issues KYA (Know Your Agent) identity tokens and payment tokens, runs an agent wallet funded by cards or USDC, and supplies KYA to Mastercard's Agent Pay trust services. | Announced 3: Visa IC, Mastercard Agent Pay, Agent Pay for Machines | None on file | Ora: 56/100 (C), 26 Oct 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Sumvin | Consumer agent app built on identity-anchored money: errands that buy within a set price and time window, and a Visa card that carries the user's agent limits, as a Visa Intelligent Commerce launch partner. | Partial 1: Visa IC | None on file | Ora: 68/100 (C), 1 Oct 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Tempo | Payments-first Layer 1 blockchain incubated by Stripe with a crypto venture firm for stablecoin payments; co-author of the Machine Payments Protocol (MPP) with Stripe, letting agents pay per request for APIs, tools and content. | Supports 1: MPP | None on file | Ora: 78/100 (B), 13 Oct 2026 isitagentready: 38/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| thirdweb | Web3 developer platform whose thirdweb Payments product lets APIs accept x402 and agent payments in any token across many chains, with per-call pricing and server-wallet settlement. | Supports 1: x402 | None on file | Ora: no cached score isitagentready: 20/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
Commerce platforms
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| Adobe Commerce | Enterprise commerce platform (formerly Magento) committed to UCP and ACP, with a Commerce MCP server for agents and partnerships with PayPal Store Sync, Stripe and Adyen for agent checkout. | Announced 3: ACP, UCP, AP2 | None on file | Ora: 36/100 (D), 4 Nov 2026 isitagentready: no result | 5 Nov 2026 |
| BigCommerce (Commerce) | SaaS commerce platform, part of the company Commerce with Feedonomics, that prepares catalogs for AI shopping surfaces, offers storefront MCP servers and a Shopping Agent, and has early-access Google UCP checkout. | Partial 1: UCP | subscription with GMV caps | Ora: 71/100 (B), 5 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| commercetools | Headless enterprise commerce platform whose AI Hub add-on connects stores to Gemini over UCP and to ChatGPT through Stripe's Agentic Commerce Suite, while the merchant's PSP processes payment. | Supports 1: UCP Announced 1: ACP | None on file | Ora: 66/100 (C), 31 Oct 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Mirakl | Marketplace and commerce platform vendor whose Mirakl Nexus prepares retailer and brand catalogs for LLM discovery and runs agent orders through to fulfilment, with J.P. Morgan Payments processing payment. | No statement found | None on file | Ora: no cached score isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Salesforce Commerce Cloud (Agentforce Commerce) | Enterprise commerce platform with UCP checkout on Google surfaces (GA October 2026), ACP work with Stripe and OpenAI, an on-site shopper agent called Carter and MCP tooling for commerce operations. | Supports 1: UCP Announced 3: ACP, AP2, Link for agents | None on file | Ora: 51/100 (C), 4 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Shopify | Commerce platform that co-developed UCP with Google, syndicates merchant catalogs to ChatGPT, Google AI Mode and Gemini, Copilot and Perplexity through Agentic Storefronts and the Agentic plan, and runs Shop Pay checkout for agents. | Supports 1: UCP Announced 1: AP2 | None on file | Ora: 72/100 (B), 4 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Shopware | Open-source commerce platform with an Agentic Commerce Plugin that exposes product data and capabilities to AI channels, a native MCP server and an agentic readiness score; a PayPal Store Sync catalog partner. | No statement found | None on file | Ora: 72/100 (B), 29 Oct 2026 isitagentready: 53/100 (L4 Agent-Integrated), 5 Nov 2026 | 5 Nov 2026 |
| VTEX | Enterprise commerce and marketplace platform that endorses UCP and publishes guidance on preparing VTEX catalogs, feeds and Merchant Center for Google's UCP checkout in AI Mode and Gemini. | Announced 1: UCP | None on file | Ora: 71/100 (B), 4 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| WooCommerce | Open-source WordPress commerce plugin with an agentic commerce track: the WordPress Abilities API for agent reads, a beta MCP server, UCP services in WooCommerce AI and ACP work with Stripe. | Partial 1: UCP Announced 1: ACP | None on file | Ora: 67/100 (C), 23 Oct 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
Agent surfaces
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| Amazon (Alexa for Shopping and Buy for Me) | Amazon's own shopping agents: Alexa for Shopping (Rufus and Alexa+ combined) inside the Amazon app, website and Echo Show, and Buy for Me, which buys from other brands' websites on the customer's behalf. | No statement found | None on file | Ora: 43/100 (D), 3 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Google (AI Mode and Gemini checkout) | Google's agent checkout in AI Mode in Search and the Gemini app, built on UCP: merchants add a checkout button to eligible listings, shoppers pay with Google Pay, and the merchant stays seller of record. | Supports 1: UCP Announced 3: AP2, Mastercard Agent Pay, Amex ACE | None on file | Ora: 55/100 (C), 4 Nov 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Meta (Muse) | Meta's personal AI agent, launched September 2026, that runs in its own secure virtual machine with a browser and can buy on websites, checking out with Link by Stripe and listed to use PayPal and Shopify Catalog over UCP. | Supports 1: Link for agents Announced 1: UCP | None on file | Ora: 50/100 (C), 27 Oct 2026 isitagentready: 19/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| Microsoft (Copilot Checkout) | Microsoft's Copilot Checkout, which completes purchases inside Copilot with the merchant as merchant of record, fed by UCP-ready Microsoft Merchant Center feeds and partners PayPal, Shopify and Stripe, plus Brand Agents for merchants' own sites. | Supports 1: UCP Announced 5: ACP, Visa TAP, Visa IC, Mastercard Agent Pay, Amex ACE | None on file | Ora: 62/100 (C), 26 Oct 2026 isitagentready: 13/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| OpenAI (ChatGPT shopping) | OpenAI's shopping in ChatGPT: product discovery from merchant feeds shared over ACP, with purchases completed on the merchant's site or app; ACP was co-developed with Stripe and is to grow toward the full shopping journey. | Announced 2: Visa IC, Amex ACE | None on file | Ora: 47/100 (D), 5 Nov 2026 isitagentready: no result | 5 Nov 2026 |
| Perplexity (shopping and Comet) | AI answer engine and Comet browser with in-chat shopping; checkout runs through PayPal Instant Buy with the retailer as merchant of record, and Comet's agent can shop on websites. | Announced 1: Visa IC | None on file | Ora: 68/100 (C), 23 Oct 2026 isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
Retailers
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| Amazon (as a retailer) | Online retailer whose Conditions of Use carry Agent Terms that require agents to identify themselves and let Amazon limit, by technical measures, how an agent uses its services. | No statement found | None on file | Ora: 43/100 (D), 3 Nov 2026 isitagentready: 13/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| Chewy | Pet retailer that publishes a production UCP business profile at chewy.com/.well-known/ucp with checkout, fulfillment and order capabilities and a Google Pay handler processed through Braintree. | Supports 1: UCP | None on file | Ora: 33/100 (D), 27 Oct 2026 isitagentready: no result | 5 Nov 2026 |
| eBay | Marketplace whose User Agreement, effective 20 Feb 2026, bans buy-for-me agents, LLM-driven bots and end-to-end order flows without human review unless eBay gives prior express permission. | No statement found | None on file | Ora: 23/100 (F), 22 Oct 2026 isitagentready: no result | 5 Nov 2026 |
| Etsy | Marketplace whose listings can be bought directly in ChatGPT, Gemini, Google AI Mode and Copilot, with buyers checking out as Etsy guests and Etsy confirming the order by email. | Supports 1: Link for agents Announced 3: ACP, UCP, AP2 | None on file | Ora: 50/100 (C), 1 Nov 2026 isitagentready: no result | 5 Nov 2026 |
| Instacart | Grocery marketplace that launched an Instacart app in ChatGPT in December 2025 with embedded Instant Checkout on ACP, paid through Stripe, across more than 1,800 retailers. | Supports 1: ACP | None on file | Ora: 65/100 (C), 3 Nov 2026 isitagentready: 13/100 (L0 Not Ready), 5 Nov 2026 | 5 Nov 2026 |
| Target | U.S. retailer selling through Google Search AI Mode and the Gemini app over UCP, a Target app in ChatGPT and Copilot Checkout loyalty linking, with Target Circle benefits carried into agent purchases. | Supports 1: UCP | None on file | Ora: 59/100 (C), 5 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| The Home Depot | Home improvement retailer that publishes a production UCP business profile on homedepot.com with a checkout service and a Google Pay payment handler, and endorses UCP. | Supports 1: UCP | None on file | Ora: 24/100 (F), 9 Oct 2026 isitagentready: no result | 5 Nov 2026 |
| Walmart | U.S. retailer that sells through ChatGPT, Gemini and Muse, runs its own Sparky agent, and in October 2026 set terms for AI agents with Agent Profiles, spending limits and an MCP-based Walmart Agent Gateway. | Announced 1: UCP | None on file | Ora: 59/100 (C), 2 Nov 2026 isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Wayfair | Home goods retailer that co-developed UCP with Google and lists UCP checkout from Wayfair in AI Mode and Gemini while staying merchant of record. | Announced 1: UCP | None on file | Ora: 34/100 (D), 17 Sep 2026 isitagentready: 13/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
Rules and identity programmes
| Vendor | What it does for this layer | Standards stated | Pricing model | Checks on file | Last read |
|---|---|---|---|---|---|
| Cloudflare | Network and CDN that verifies signed agent traffic with Web Bot Auth, the authentication layer under Visa's Trusted Agent Protocol and Mastercard Agent Pay, and a co-developer of x402 with agent payment tooling in its Agents SDK. | Supports 4: Visa TAP, Mastercard Agent Pay, x402, MPP | None on file | Ora: 81/100 (B), 4 Nov 2026 isitagentready: 60/100 (L4 Agent-Integrated), 5 Nov 2026 | 5 Nov 2026 |
| EMVCo | Technical body owned by the card networks that writes EMV specifications (3-D Secure, Payment Tokenisation, SRC); runs an Agentic Payments Task Force and published a draft EMV Agentic Payments framework built on shared Intent Services. | No statement found | None on file | Ora: no cached score isitagentready: 20/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| FIDO Alliance | Open standards body behind passkeys; since April 2026 the steward of AP2 and the home of an Agentic Authentication Technical Working Group and a Payments Technical Working Group writing specifications for agent-initiated commerce. | Supports 1: AP2 Announced 1: Verifiable Intent | None on file | Ora: no cached score isitagentready: 33/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| Forter | Fraud and identity decisioning company that sells Agentic Orchestration: a no-code layer that translates agent commerce protocols to a merchant's checkout and decides which agent orders to approve. | Announced 1: AP2 | None on file | Ora: 92/100 (A), 3 Nov 2026 isitagentready: 88/100 (L5 Agent-Native), 5 Nov 2026 | 5 Nov 2026 |
| HUMAN Security | Bot and fraud defence company whose AgenticTrust product detects AI agent traffic on merchant sites, applies real-time permissions per agent and lets verified agents browse and check out. | No statement found | None on file | Ora: 45/100 (D), 4 Sep 2026 isitagentready: no result | 5 Nov 2026 |
| Trulioo | Identity verification company whose Know Your Agent (KYA) programme verifies the organisation behind an AI agent and the agent's own signals, then issues a signed Digital Agent Profile that merchants and payment parties can check. | No statement found | None on file | Ora: no cached score isitagentready: 27/100 (L1 Basic Web Presence), 5 Nov 2026 | 5 Nov 2026 |
| x402 Foundation | Linux Foundation project that governs the x402 protocol (HTTP 402 payments for agents and APIs) under vendor-neutral, open governance after Coinbase contributed it in 2026. | Supports 1: x402 | None on file | Ora: 71/100 (B), 28 Aug 2026 isitagentready: 53/100 (L4 Agent-Integrated), 5 Nov 2026 | 5 Nov 2026 |
What is left out
43 names that appeared on partner lists, endorser lists or press releases are not rows. Each is listed with the reason. A name returns to the list when a page of its own states an agent payment product.
- Named on a protocol partner list or press release, but no page of their own that states an agent payment product was found in the 5 Nov 2026 read
Mesh, BVNK, Payabli, Diddo, Prove, Okta (Auth0), Signifyd, Sardine, Riskified, dLocal, EBANX, Juspay, Nexi, Payoneer, Revolut, MetaMask, Square and Block, Toast, Splitit, Elavon, CyberSource, JCB, AWS - Listed as endorsers of the Universal Commerce Protocol, with no agent statement of their own found in the 5 Nov 2026 read
Best Buy, Kroger, Lowe's, DoorDash, Zalando, Macy's, Gap, Sephora, Ulta, Expedia, Booking.com, Flipkart, Shopee - Pages that refused automated requests or could not be read on 5 Nov 2026, so no fact could be cited
NPCI (UPI), Akamai, SAP Commerce Cloud, Wix - Own pages read, with no agent payment statement on them
nekuda, Basis Theory - Covered under another row
Global Payments (as the operator of Worldpay)
How the checks are read
- Ora agent-readiness score. The cached score that Ora returns for the vendor's domain, with the date of Ora's own scan. A domain Ora has not scanned reads "no cached score", and no scan was started for this section. The figures are Ora's.
- Ora payments layer. The payments layer inside the same Ora record. Its six checks are bonus checks that count only when passed, so a reading of 0/0 means none passed and no points counted. A profile shows the row only where points counted.
- isitagentready scan. A scan of the vendor's domain by the isitagentready service on 5 Nov 2026, with its default check profile. The value is the percent of counted checks passed and the readiness level the service names. Where a scan returned no result, the row gives the HTTP status the scanner got from the site.
- robots.txt, llms.txt and the UCP profile. Read from the crawl of 4 Nov 2026 as an HTTP status and, for robots.txt, the number of user-agent groups. The UCP specification names /.well-known/ucp, so a miss at the .json path is not a verdict.
- Homepage fetch. One GET of the homepage address when this section was built, after reading robots.txt, with the status as returned. A status other than 200 is a result, not an error.
Download the dataset
Every vendor with its facts, products, standards, checks, limits and sources, dated 5 Nov 2026: vendors.json and vendors.csv. The CSV has one row per vendor. The files are free to reuse with attribution under the terms.
Cite this: Agent Ready Checkout. Agent checkout vendors. Edition of 5 Nov 2026. https://agentreadycheckout.com/vendors
Sources
- ucp.dev/, read 4 Nov 2026
- cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol, read 5 Nov 2026
- Visa Introduces Trusted Agent Protocol, read 5 Nov 2026
- Mastercard Agent Pay, read 5 Nov 2026
- Linux Foundation launches the x402 Foundation, read 5 Nov 2026
- ora.ai, read 5 Nov 2026
- isitagentready.com, read 5 Nov 2026
Last reviewed