AI agents don't just recommend products — they buy them. Agentic payments power the checkout layer of AI commerce, processing transactions on behalf of users with full security and authorization.
Enable Agentic PaymentsAgentic payments are transactions where AI agents act as the buyer's representative. The user authorizes the agent, sets spending parameters, and the agent handles the rest — finding the best product, negotiating where possible, and completing the purchase.
This is different from traditional payment automation (like recurring subscriptions). Agentic payments involve decision-making: the agent evaluates options, compares prices, and selects the best match before transacting.
Multiple protocols are competing to become the standard for agentic payments. Here's how the major players compare.
OpenAI's Agentic Commerce Protocol uses Stripe for full commerce transactions — cart, checkout, and payment in one flow.
HTTP-native payment protocol. AI agents respond to 402 status codes with automatic payment, enabling machine-to-machine transactions.
Google's Universal Commerce Protocol includes payment capabilities for Gemini agents, integrated with Google Pay infrastructure.
AI agents never see raw card numbers. They use secure tokens issued by Stripe or the user's payment provider, valid only for authorized transaction types.
Users set per-transaction and daily spending limits. Agents cannot exceed these bounds. Large purchases require explicit user confirmation.
Users can restrict which merchants agents can transact with. This prevents unauthorized purchases from unknown or untrusted sellers.
All agentic transactions support chargebacks and refunds through standard payment channels. Users maintain the same consumer protections as direct purchases.
Make your store ready for AI agent transactions. Asva AI integrates with ACP, x402, and UCP so agents can discover and purchase from your catalog.
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