Vendors by type
Wallets and pay-later services
Wallets and pay-later services hold the buyer's payment details and approve a charge. Google Pay and Shop Pay already work as UCP payment paths, and Link hands agents single-use credentials after the user approves. Klarna and Affirm have announced support for UCP, Affirm also for AP2, and Ant International's Alipay+ network wrote its own protocol for wallet payments.
Wallets and pay-later services in this section
The 6 wallets and pay-later services below were read on 5 Nov 2026. 3 of them state support for at least one protocol on their own pages, 3 more name one as announced or partial. A price is on file for Klarna.
The 6 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 |
Back to all vendors. Other types: Processors, Card networks, Agent-pay builders, Commerce platforms, Agent surfaces, Retailers, Rules and identity programmes.
Sources
- affirm.com, read 5 Nov 2026
- ant-intl.com/en, read 5 Nov 2026
- pay.google.com, read 5 Nov 2026
- klarna.com, read 5 Nov 2026
- link.com, read 5 Nov 2026
- shop.app, read 5 Nov 2026
Last reviewed