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AI POWERED PAYMENTS

Prepare your ecommerce platform for the AI shopping era

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AI shopping is changing how people discover, compare and buy. As consumers increasingly turn to AI-powered experiences for product recommendations, and purchases, businesses need new ways to stay discoverable, maintain control of the customer journey and enable trusted transactions.

What is Mastercard Agent Suite for Merchants?

Mastercard Agent Suite for Merchants helps businesses create AI powered ecommerce experiences that support product discovery, cart management, and help support agentic transactions across merchant-owned and supported external agent channels.

Agent Suite for Merchants brings together powerful capabilities:

Shopping Agent

Merchant branded AI shopping experience embedded across your website or app. Help shoppers search, compare, manage carts, and help checkout.

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Mastercard Agent Connect

A single connection point into partner external agent ecosystems, helping product catalogs become discoverable and transactable.  

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Agent Suite for Merchants empowers AI shopping capabilities

Conversational product discovery



Help shoppers ask questions in natural language, compare products and receive intelligent and guided recommendations based on shopper intent, preferences and available catalog data.

Personalized AI shopping journeys



Deliver timely recommendations and offers that can be tailored to customer preferences, purchase history and shopping intent.

Cart and checkout management



⁠Allow shoppers to add, remove or update items, view cart summaries, confirm shipping and billing details, and help checkout through the AI assistant experience.

AI powered payments



Will support secure agent-led payment experiences with tokenized credentials, consent-based payments and authentication.

External agent discoverability



Expose merchant catalogs into external agent ecosystems so products can remain discoverable as consumers increasingly shop through AI assistants and agent-led channels.
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AI shopping journey across owned and external channels

How AI Shopping Agent works: AI-powered shopping on your branded channels

Shopping Agent is designed to support the full AI shopping journey across your website, app and branded digital experiences:  

 

1.  A shopper asks for assistance

A shopper uses a merchant AI assistant to search for a product or solve a shopping need.  

 

2. The agent searches and compares

The AI assistant searches the merchant product catalog and presents relevant products   

 

3. The agent manages the cart

The shopper reviews options, selects products and confirms the cart.  

 

4. The agent helps with the checkout process

The assistant helps support the checkout experience.  

 

5. The order is confirmed and supported

The shopper receives confirmation and can track orders, returns, and refund status from the merchant  

How Mastercard Agent Connect works: AI-powered payments beyond your owned channels

Mastercard Agent Connect helps consumers find, shop and purchase your products through supported external AI shopping experiences:  



1. A shopper begins with an external AI agent

A shopper uses an AI shopping assistant or AI-powered shopping experience to discover products, compare options or solve a shopping need.  

 

2. The external agent discovers and recommends products

The AI agent accesses your catalog information to surface relevant products, compare options and provide recommendations based on shopper intent.  

 

3. The shopper explores products through their AI agent

The shopper reviews recommendations, evaluates options and continues their shopping journey through connected AI-powered experiences.  

 

4. The shopper completes a purchase with confidence

Agent Connect helps Agents support secure transaction execution through participating agents, payment providers and commerce partners when the shopper is ready to buy.  

 

5. Your products are discoverable wherever shoppers engage

Products remain visible and accessible as consumers increasingly use AI powered shopping experiences to discover, evaluate and purchase products, helping merchants expand reach beyond their owned channels.  

 

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Trusted AI powered payments for agentic commerce

AI shopping can only scale if merchants, consumers and payment providers can trust the transaction. Agent Suite for Merchants is designed to help support trust in agent-led commerce through secure payments infrastructure, tokenization, authentication, verifiable intent and agentspecific controls.  

Help support secure and seamless agent-facilitated transactions

Enable payment flows with tokenized credentials and user intent

Help reduce friction in AI powered ecommerce experiences

Help merchants maintain control over payment and customer engagement

Support the next generation of conversational AI payments

Help merchants participate confidently in emerging AI commerce experiences

Who Agent Suite for Merchants is for

Available through Mastercard Merchant Cloud, Agent Suite for Merchants helps businesses and participants across the commerce ecosystem prepare for and participate in a future where AI agents increasingly influence how products and services are discovered, recommended and purchased. By connecting conversational discovery, personalized shopping experiences and trusted payments, businesses can potentially increase visibility, improve customer engagement, support customer acquisition, drive conversion and help build long-term customer loyalty across both merchant-owned and external AI agents.  

  • Launch branded AI shopping experiences 
  • Improve discoverability, engagement and conversion 

  • Reduce cart abandonment and increase repeat purchases 

  • Strengthen customer retention and acquisition 

  • Maintain control over customer relationships and brand experiences
  • Enable agentic commerce across merchant portfolios
  • Deliver scalable AI commerce capabilities through a single integration
  • Expand value-added services and merchant engagement opportunities
  • Embed agent-ready capabilities into existing ecosystems 
  • Accelerate merchant readiness for AI shopping 

  • Extend AI commerce functionality without rebuilding existing infrastructure

One integration. 
Two ways to scale.

Support AI shopping experiences through a single integration, helping merchants expand reach without adding unnecessary complexity.

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