{
 "name": "The Agent Payment Protocols Tracker",
 "publisher": "Major Matters",
 "url": "https://www.majormatters.co/trackers/agent-payment-protocols",
 "license": "CC-BY-4.0",
 "updated": "2026-09-12",
 "description": "Every protocol and program for letting an AI agent pay, from open specs to network programs, dated and sourced.",
 "cite_as": "Major Matters, The Agent Payment Protocols Tracker, https://www.majormatters.co/trackers/agent-payment-protocols (retrieved YYYY-MM-DD).",
 "entry_count": 10,
 "entries": [
  {
   "name": "Know-Your-Agent (KYA) Interoperability Framework",
   "owner": "Ant International, Mastercard and Visa",
   "category": "network-program",
   "status": "announced",
   "date": "2026-09-09",
   "description": "A collaboration on a Know-Your-Agent interoperability framework to streamline AI agent onboarding and identification across card networks, wallet ecosystems, agent platforms and marketplaces, each retaining its own verification.",
   "sourceUrl": "https://www.pymnts.com/cybersecurity/2026/visa-mastercard-team-with-ant-know-your-agent-framework"
  },
  {
   "name": "Agentic Mobile Protocol (AMP)",
   "owner": "Ant International",
   "category": "open-protocol",
   "status": "live",
   "date": "2026-04-28",
   "description": "An open-sourced agentic payment framework for wallets, super apps, and wearables that embeds a Know-Your-Agent digital-identity framework, with a 2026 Phase I rollout across ten Alipay+ wallets and seven acquirers.",
   "sourceUrl": "https://www.finextra.com/pressarticle/109623/ant-international-unveils-agentic-mobile-protocol"
  },
  {
   "name": "Verifiable Intent",
   "owner": "Mastercard and Google",
   "category": "network-program",
   "status": "spec-published",
   "date": "2026-03-05",
   "description": "An open, standards-based framework (v0.1 draft, February 2026, with a Python reference implementation) that links a consumer’s identity, their instructions to an agent, and the transaction outcome into a tamper-resistant record.",
   "sourceUrl": "https://www.mastercard.com/us/en/news-and-trends/stories/2026/verifiable-intent.html"
  },
  {
   "name": "Universal Commerce Protocol (UCP)",
   "owner": "Google, with Shopify, Etsy, Wayfair, Target, Walmart and others",
   "category": "open-protocol",
   "status": "spec-published",
   "date": "2026-01-11",
   "description": "An open-source agentic commerce standard whose Identity Linking capability lets a shopper connect retailer accounts via OAuth so agents transact with the user’s authenticated merchant identity and loyalty benefits.",
   "sourceUrl": "https://blog.google/products/ads-commerce/agentic-commerce-ai-tools-protocol-retailers-platforms/"
  },
  {
   "name": "Trusted Agent Protocol (TAP)",
   "owner": "Visa, co-developed with Cloudflare",
   "category": "network-program",
   "status": "spec-published",
   "date": "2025-10-14",
   "description": "A framework enabling AI agents to cryptographically identify themselves to merchants during agentic commerce transactions, with partners including Adyen, Ant International, Checkout.com, Coinbase, Fiserv, Microsoft, Shopify and Stripe.",
   "sourceUrl": "https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21716.html"
  },
  {
   "name": "Agentic Commerce Protocol (ACP)",
   "owner": "OpenAI and Stripe",
   "category": "open-protocol",
   "status": "live",
   "date": "2025-09-29",
   "description": "The open standard behind Instant Checkout in ChatGPT, in which the agent passes a Shared Payment Token to the merchant so the order can be identified and accepted without the merchant receiving raw card credentials.",
   "sourceUrl": "https://stripe.com/newsroom/news/stripe-openai-instant-checkout"
  },
  {
   "name": "Agent Payments Protocol (AP2)",
   "owner": "Google, with 60+ payments and technology partners",
   "category": "open-protocol",
   "status": "spec-published",
   "date": "2025-09-16",
   "description": "An open protocol for agent-led payments in which each purchase is a set of cryptographically signed, tamper-evident Mandates (Intent, Cart, Payment) built on verifiable credentials.",
   "sourceUrl": "https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol"
  },
  {
   "name": "Web Bot Auth",
   "owner": "Cloudflare (proposed), now under IETF standardization",
   "category": "standard",
   "status": "live",
   "date": "2025-05-15",
   "description": "A mechanism using HTTP Message Signatures and well-known key directories so bots and AI agents cryptographically identify themselves to origins instead of relying on IP addresses or user-agent strings; now being standardized by the IETF.",
   "sourceUrl": "https://blog.cloudflare.com/web-bot-auth/"
  },
  {
   "name": "x402",
   "owner": "Coinbase and Cloudflare (x402 Foundation, Linux Foundation)",
   "category": "open-protocol",
   "status": "live",
   "date": "2025-05-01",
   "description": "The HTTP 402-based protocol that lets an agent pay per request programmatically, with no human and no checkout page, settling over stablecoin rails. Tracked in depth in the Major Matters x402 Adoption Tracker at /x402.",
   "sourceUrl": "https://www.majormatters.co/x402"
  },
  {
   "name": "Agent Pay",
   "owner": "Mastercard",
   "category": "network-program",
   "status": "live",
   "date": "2025-04-29",
   "description": "An agentic payments program that registers and verifies AI agents and uses Agentic Tokens (an extension of tokenization) to bind a card credential to a specific agent, merchant scope, and consent.",
   "sourceUrl": "https://www.mastercard.com/global/en/news-and-trends/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai.html"
  }
 ]
}