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Digital payments

Digital commerce solutions that drive growth

Discover how payment technology builds trust, scalability, and efficiency throughout the ecosystem, from advanced checkout methods to agent-assisted solutions.

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conversion rate

increase in conversion rate with Click to Pay vs. manual PAN entry1

using ai tools

of European consumers report using AI tools in their everyday lives2

annual growth

forecasted annual growth of the agentic commerce market3

Drive performance and customer experience with future-proof checkout solutions

The agentic era is reshaping digital commerce from click-based journeys to delegated decisions, where AI systems discover, compare and transact on customers’ behalf. The strategic imperative for merchants is to become legible to machines and differentiated in the signals they emit—so their brand can be confidently selected and executed at scale.

Making this model viable depends on a trusted payments layer: verified agents, provable intent and consent within clear guardrails, and modern checkout capabilities centred around tokenisation and payment passkeys that reduce friction and fraud risk.

The priority for leaders is to align across the ecosystem on interoperable standards—so automation increases speed and relevance without compromising security, accountability or consumer choice.

This page shares insights and examples on how advanced digital payments enable secure, efficient transactions and prepare the ecosystem for future automated interactions.

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Inside today’s digital payments needs

Deliver frictionless digital checkout

Customers expect fast and secure checkout experiences, regardless of their preferred shopping method or location. Modern checkout solutions ensure users can make payments easily and securely across devices, markets, and sales channels.



Standardising guest checkout and adopting industry standards like Click to Pay help partners improve conversion, increase trust, and deliver consistent, secure experiences.

Verify identity with confidence

As digital interactions increase, strong authentication must be both secure and almost invisible. Passwords and other legacy methods add friction and risk, undermining trust at the moment it matters most.



Modern, biometric authentication methods like payment passkeys help verify identity with confidence and ease — protecting users, transactions and data.

Make payments digital by default

Reliable digital commerce relies on secure, robust, and up-to-date payment systems. Manually entering card details manually or using static credentials increases operational risks and hampers efficiency.



By substituting sensitive information with tokenised payment credentials that use dynamic, network-level standards, businesses can boost approval rates, minimise fraud risk, and deliver consistent payment performance at scale.

Drive trusted agent-driven commerce

As intelligent systems increasingly operate on behalf of individuals and organisations, payment mechanisms must support delegation without compromising trust or control. Agent-driven processes introduce new requirements for identity verification, consent management, and accountability.



Trusted frameworks and interoperable standards for agentic payments are essential to maintain security, authorisation, and transparency in automated transactions. These measures enable commerce to expand confidently as new models of interaction continue to develop.

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The merchant roadmap to the next era of digital commerce.

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Navigating digital commerce takes more than technology — it takes partnership. At Mastercard, we work with businesses across the ecosystem to help them meet today’s demands and move forward with confidence.

Sources:

[1] Customer data, Just Eat Takeaway.com data, April 2025

[2] McKinsey, Consumer AI Discovery Survey, December 2025

[3] Edgar, Dunn & Company, Global Data, EDC Calculations, May 2025