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Mastercard Agent Pay

Powering the next frontier of commerce

Bringing smarter, more secure and more personal payments experiences to every agentic transaction.

Digital illustration of a smartphone with holographic shopping icons.

Transforming Commerce

AI is rapidly changing commerce

Consumers are quickly shifting from traditional search engines to AI for product discovery and purchases.

800M

active OpenAI users, doubling in a “just a few weeks” from February to April 20251

20%

Agentic AI is expected to handle up to 20% of e-commerce tasks in 20252

39%

of U.S. consumers have used generative AI for online shopping, and 53% plan to do so in 20253

Transforming Commerce

Introducing Mastercard Agent Pay

Mastercard’s new infrastructure for enabling secure, scalable and trusted payments in agentic commerce.

Trust

We’re reimagining trust for the agentic era — anchored in Mastercard’s industry-leading standards.

Security

Creating a world where agent-led payments are secure, seamless and future-ready.

Visibility

Enabling insight, personalization and confidence in every transaction.

Why Mastercard

A new level of trusted AI-powered commerce

Built for trust, engineered for scale

Works seamlessly across existing payment networks — no friction, just instant global scalability.

Designed for what's next

Together with industry leaders, we’re creating scalable solutions, unlocking the power of AI.

Made for you and your customers

Supports both consumer and business use cases, creating a future that works seamlessly for everyone.

Growing Agentic commerce with our industry-leading partners

tbd

Setting the standard for agentic payments

Know your agent

Only registered agents can transact — governed and traceable with Mastercard network tokens — setting new standards for trust and accountability.

Woman checking bank account on her phone.

Interface standards

We’re building the future of agentic commerce with a universal data exchange protocol enabling seamless, scalable personalization.

Hands holding a tablet showing a screen titled "Choose your card," displaying Mastercard options.

Order intent

We’re creating a future where user intent isn’t assumed—it’s verified, consented, and central to every transaction.

Woman petting her cat and christmas shopping on a tablet.

Consumer consent

Built with our industry-leading biometric authentication, empowering users with consent and control.

Phone screen with passkey.

Spotlight on AI Solutions

Explore other AI-powered solutions

Mastercard’s AI capabilities are embedded in a wide range of solutions that drive insights, personalization and security.

Tokenization

Increase transactions and reduce costs and fraud with Mastercard tokenization — secure, convenient and seamless tokenized payments.

Learn more

Decision intelligence

Decision Intelligence is a transaction risk monitoring solution powered by AI that helps you prevent fraud and approve genuine transactions in real time.

Dynamic yield

Provides hyper-personalized consumer experiences using advanced AI and numerous data sources to create real-time recommendations and personalization.

Learn more

Brighterion

Delivering advanced artificial intelligence and machine learning, Brighterion AI is used by leading organizations around the world to fight fraud.

AI & advanced analytics consulting

Explore how ethical artificial intelligence can generate sustainable revenue and growth.

Insights and perspectives

1. PYMNTS, “Sam Altman: OpenAI Has Reached Roughly 800 Million Users,” April 13, 2025. ↩

2. PYMNTS, “Agentic AI and Personalized Shopping Experiences Will Dominate 2025,” December 23, 2024. ↩

3. Adobe Blog, “Adobe Analytics: Traffic to U.S. retail websites from Generative AI sources jumps 1,200 percent,” March 17, 2025. ↩