Vendors by type
Card networks
In short
Card networks write the rules that move a card payment, and each of these has an agent programme or a plan for one. Visa's Trusted Agent Protocol and Mastercard's Agent Pay are live in part, American Express's ACE kit is partly specified, and UnionPay International's APOP framework is its own design with no public specification.
Card networks in this section
The 4 card networks below were read on 5 Nov 2026. 2 of them state support for at least one protocol on their own pages, 2 more name one as announced or partial. No price is on file for any of them.
The 4 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 |
Back to all vendors. Other types: Processors, Wallets and pay-later services, Agent-pay builders, Commerce platforms, Agent surfaces, Retailers, Rules and identity programmes.
Sources
- Amex Agentic Commerce Experiences, read 5 Nov 2026
- Mastercard Agent Pay, read 5 Nov 2026
- unionpayintl.com, read 5 Nov 2026
- Visa Intelligent Commerce, read 5 Nov 2026
Last reviewed