万事达卡推出Agent Pay for Machines服务，开启极速、全天候支付新时代

Adyen、蚂蚁国际、BVNK、Checkout.com、Cloudflare、Coinbase、Getnet by Santander、Global Payments、Lovable Labs Incorporated、OKX、Stripe和Tempo等30多家行业领导者，首批部署并支持该服务落地

北京，2026年6月11日——人工智能（AI）的崛起为商品和服务的买卖开创了全新的方式；这也对全新世代的支付方式提出了要求。

在万事达卡构想的未来中，企业将为AI智能体提供各类供其购买和使用的服务。这些智能体以机器级速度运行，彼此之间可以持续、高速地进行交易，并执行包括微交易在内的一系列交易链条。这一转变将掀起巨大的创新浪潮，激发各类商业模式和经济活动：从个体创业者到大型企业，任何公司都可能成为拥有强大影响力的市场主体。

为了赋能这种全新的商业形态，万事达卡针对此类服务开发了一种全新的支付方式，使得无论金额大小的每一笔交易，都可以被快速、可编程且安全地处理。万事达卡在美国时间6月10日正式推出Agent Pay for Machines（AP4M，机器智能体支付）服务，让各类交易在其全球支付网络上以机器级速度进行授权、协同和结算。

“Agent Pay for Machines将为AI时代商业模式的爆发式增长创造条件。”万事达卡首席产品官Jorn Lambert表示，“机器支付将使服务能够在智能体之间，以远超当前支付规模的体量进行交易——极高交易量、极小金额、极快速度和极低延迟。”

不同于由用户发起、以单次触发为特征的传统POS或个人对商户支付，机器智能体交易以程序化方式运行，在数字商业的不同系统之间全天候执行。Agent Pay for Machines使得万事达卡全球网络中的各参与方可以将信任和控制能力引入机器驱动的商业生态中，并助力AI创新者在软件逐步实现自主交易的过程中获得安全和可靠的支付。

构建新世代支付形态

如今的AI智能体不再只是辅助决策，它们能够按照人类的意图行动、协调服务并完成为其用户量身定制的交易。一位开花店的企业主可指示AI智能体建立并上线自己的网上店铺：智能体需要在既定预算内购买域名、托管服务、图片和结账页面，这同时也意味着将一个人类发起的请求变成一连串在不同供应商之间自动执行的交易链条。

又或者，一个管理配送路线的物流智能体可以在货物从原产地运往目的地的过程中，自动支付运费、预约装卸口使用权、购买临时冷链监控数据并结算仓库处理费。

支付不仅在增加，其形式也在改变。它们变得连续、嵌入、被授权并以机器级速度执行。这同时也产生了对与时俱进的基础设施的新需求。

在新的支付环境中，企业需要确保自己的收款，智能体则需要交易在瞬间完成且每笔交易都应安全和如约。万事达卡推出Agent Pay for Machines的初衷，正是为了满足这些需求。

Agent Pay for Machines基于万事达卡于2025年推出的万事达卡Agent Pay项目，提供了一套系统去规模化由智能体和机器执行的高频、低延迟和小额支付。如果说Agent Pay定义了受信AI智能体如何参与支付，那么Agent Pay for Machines则形成有益补充，将目光朝向在数字商务背景下持续发生且由机器驱动的自动化和微型交易。

这一领域正是万事达卡全球网络大展身手之处。从银行卡到稳定币，Agent Pay for Machines支持多种支付类型凭证管理、控制和保证结算，使相关机构能够以数字经济所要求的兼容性、可靠性和治理水平来部署自动化支付。

运作方式

万事达卡Agent Pay for Machines通过下述底层能力，为由机器驱动的交易建立了一个值得信任的系统环境：

• 凭证：每个智能体都拥有认证凭证，借助“可认证意图”（Verifiable Intent），可在各生态系统中被识别、并完成可信的交易。
• 权限控制：机构可以通过程序执行设定的授权规则和支出限额，确保交易在既定参数内进行。
• 交易：经认证的参与方可跨供应商和系统进行握手与交易，实现持续和高频的自动化商业活动。
• 结算：支持通过银行卡、账户和稳定币进行可靠、有保证的多轨道结算。

交易的可预测性将助力提高透明度和一致性。

携手合作伙伴，共促开放生态

万事达卡正携手各界伙伴积极部署Agent Pay for Machines，以验证重点应用场景、制定通用规则，并加速推动该服务在各行各业的落地。首批合作伙伴包括：Adyen、Alchemy、Anchorage Digital、蚂蚁国际、Basis Theory、BVNK、Catena、Checkout.com、Cloudflare、Coinbase、Coinflow、Crossmint、Getnet by Santander、Global Payments、Lovable Labs Incorporated、万事达卡商户云、MoonPay、Nevermined、OKX、PayOS、Polygon、Rain、RippleX、Sapiom、Skyfire、Solana Foundation、Stripe、t54 Labs、Tempo、Turnkey和Utila。

此举印证了万事达卡的坚定承诺：打造一个开放且高度互联的框架，让不同的技术体系、服务商和支付类型都能在其中自如运转。

助力数字商务迈向新阶段

Agent Pay for Machines也是万事达卡为推进可信数字互通发展推出的重要举措。从身份的识别与认证到数据的可信交换，万事达卡确保企业可在采用新技术的同时，依然能够享有万事达卡全球支付网络的安全性、可靠性和全球覆盖能力。依托Agent Pay、Verifiable Intent和Agent Pay for Machines等成果，万事达卡正持续构建可信、开放的支付基础设施，助益由智能体及机器驱动的自动化支付。

如需了解更多有关Agent Pay for Machines的信息，请访问此页面。

附录：合作伙伴引语

“我们很高兴与万事达卡深化合作，凭借在智能体支付领域的持续创新，共同推动智能体商业发展。通过蚂蚁国际旗下商户支付与数字化服务平台Antom，商户仅需一次集成即可接入全球智能体商业平台，同时享受到先进的智能体支付能力与流畅的支付体验。此次合作将帮助商户以更安全、智能、高效的方式，抓住AI商业时代的新机遇，”蚂蚁国际首席创新官杨江明表示。

"Machine-to-machine payments are still in their early stages, but the infrastructure decisions made now will determine how this space develops," said Karan Katyal, head of Agentic Commerce at Adyen. "Building these foundations with partners like Mastercard, openly and with merchant outcomes at the center, is how we ensure this next era of commerce works for everyone in the ecosystem."

"We're heading toward an economy where most transactions never involve a person at all - machines paying each other, constantly, for things too small to bother a human with. That unlocks business models nobody can build today, but only once the payment layer can keep up," said Joe Lau, co-founder and president of Alchemy. "Getting that right is one of the most important problems in tech right now."

"The future of commerce isn't just digital, it's autonomous. At Anchorage Digital, we've long believed that programmable, machine-driven payments are the inevitable next layer of financial infrastructure, and this collaboration with Mastercard turns that conviction into reality," said Nathan McCauley, co-founder and CEO, Anchorage Digital. "What makes this initiative so significant is that it brings together the trust and global reach of Mastercard's network with the flexibility of multi-rail settlement, including digital assets, creating a foundation that our clients can build on with confidence. This is exactly the kind of open, interoperable infrastructure the industry needs to bring agentic commerce to scale."

"Agentic commerce only matters if it helps humans get something done. The payment should fade into the background while the business, the agent, and the merchant coordinate around the customer's intent," said James Armstead, chief technology officer at Basis Theory. "That's the future Mastercard is helping unlock, and Basis Theory is excited to help bring it to life."

"We're seeing a fundamental shift in commerce as businesses increasingly use AI agents to transact on their behalf," said Chris Harmse, co-founder and chief business officer at BVNK. "At BVNK, we believe stablecoins will play a powerful role in enabling this change, bringing greater speed, programmability and efficiency to how value moves. Our position at the intersection of currencies, rails and formats makes us uniquely well-suited to power agentic commerce at scale, enabling trusted movement of value with the controls, reliability, visibility and flexibility that merchants need."

"Catena gives businesses a single control plane to govern agent-driven payments across networks and rails, applying identity, policies, approvals and auditability wherever money moves," said Sean Neville, CEO of Catena. "Mastercard Agent Pay for Machines initiative is an important addition to that interoperable ecosystem, and we’re excited to help make autonomous commerce safer and more practical for customers under one consistent set of controls."

"As AI agents begin to play a larger role in digital commerce, the payments infrastructure must evolve to support the enterprise merchants driving this economy," said Matthieu Barral, global head of Partnerships at Checkout.com. "We're working with Mastercard to define how programmable, agent-driven payments operate in practice - combining our processing capabilities with their secure network to give businesses the precise control and flexibility required to thrive in this next chapter of commerce."

"The internet was built for human interactions, but the infrastructure of the future must be built for autonomous ones," said Stephanie Cohen, chief strategy officer at Cloudflare. "Cloudflare has already become the premier environment to build and secure AI agents; now, those agents need a trusted way to independently pay for the resources they consume. By partnering with Mastercard on Agent Pay for Machines, we are connecting our industry-leading developer and security platform with world-class payments infrastructure to power the next era of machine-to-machine commerce."

"AI agents are creating entirely new forms of commerce that require payments to move at machine speed," said Nina Coughlin, head of Stablecoin Business Development at Coinbase. "We're excited to work alongside Mastercard to help advance an open and interoperable framework for agentic payments, combining trusted payment networks with programmable digital dollars and open standards like x402 to enable secure, scalable commerce between agents, businesses, and developers worldwide."

"Coinflow has spent years making instant payments frictionless by bridging stablecoin infrastructure with traditional payment networks," said Ben Meeder chief technology officer at Coinflow. "Now we're thrilled to partner with Mastercard to bring that same simplicity to agentic commerce, enabling businesses to accept payments from AI agents as effortlessly as they do from humans."

"The barrier to agentic commerce is no longer capability, it's trust: knowing an agent is authorized to act, that it stays within its limits and that every payment is accountable," said Alfonso Gomez Jordana, co-founder of Crossmint. "Mastercard solves this, extending the risk, fraud and compliance infrastructure of its network to machine payments. Crossmint is excited to serve as the PSP of the agent in this trusted network."

"Machine-to-machine payments represent the next frontier of commerce, where trust, speed and intelligence converge at the transaction layer," said Bruno Oliveira Da Silva, global head of Getnet Data and AI Products at Getnet by Santander. "At Getnet, we believe the future belongs to acquirers who can enable autonomous commerce at scale, and our partnership with Mastercard puts us at the center of that transformation, from Latin America to Europe and beyond."

"As programmatic, machine-led commerce emerges, where agents pay for compute and other resources, getting the payment layer right is essential," said Cindy Turner, chief product officer at Global Payments. "Open collaboration across the ecosystem will be key. We are proud to partner with Mastercard on Agent Pay for Machines to help deliver trusted, interoperable infrastructure that can scale with our customers' needs."

"As commerce shifts from clicks to continuous machine-speed transactions, merchants need payment infrastructure that keeps up, without giving up control," said Maria Parpou, executive vice president, Mastercard Merchant Cloud. "Through Mastercard Merchant Cloud, we're connecting merchants to Agent Pay for Machines so they can confidently accept and orchestrate agent-driven payments, backed by the trust, governance and multi-rail reach of Mastercard’s global network."

"Machine payments underpin the business model of AI agents: metered pricing. Before an agent's labor is metered, authorized, and settled with real trust, it needs the ability to pay and get paid," Don Gossen, co-founder and CEO, Nevermined. "We are proud to partner with Mastercard to build the Commerce Logic Layer, which lets AI agents transact with other agents and agentic services."

"OKX moves billions in settlement daily across some of the most complex, high-velocity markets in the world. We're executing a bold vision laid out by our Founder and CEO, Star Xu, having already built our Agentic Wallet and Agent Payments Protocol to handle exactly this kind of autonomous, machine-speed commerce," said Haider Rafique, global managing partner at OKX. "Partnering with Mastercard to bring that infrastructure to scale globally is where this was always heading. We're ready for it."

"AI agents are becoming economic participants, and machine-to-machine payments are a critical building block for that future," said Johnathan McGowan, CEO of PayOS. "We believe agents will become embedded across every experience. As that happens, they'll need a trusted way to participate in the economy at machine speed. We're proud to partner with Mastercard on this initiative to build the infrastructure needed to make that possible."

"Polygon Labs is building the infrastructure for programmable payments and agent-driven commerce at global scale, with the Open Money Stack helping make digital financial services more accessible and interoperable," said Aishwary Gupta, global head of business at Polygon. "Mastercard's exploration of machine payments underscores how blockchain and traditional payment networks can work together to unlock new consumer and business experiences while accelerating the evolution of the digital payments ecosystem."

"Payments made by machines look very different from payments made by people, happening far more often and at far smaller amounts than today's systems were designed for. Change at this scale needs creative answers from more than one company, because the future of payments cannot run through a single closed ecosystem," said Farooq Malik, co-founder and CEO of Rain. "Rain is excited to build on our Mastercard principal membership and partner on Agent Pay for Machines as we expand to support the agentic future."

"Autonomous agents are already settling invoices and paying for compute on their own, but institutions can only move at that speed if the controls move with them," said Markus Infanger, senior vice president of RippleX. "XRPL and RLUSD are built so enterprises can let agents transact at machine speed within rules the chain itself enforces, with settlement in seconds, predictable costs, programmable compliance, and a full audit trail, so agents can only ever do what they are authorized to do. Mastercard's move toward regulated stablecoin settlement on-chain is an important signal that this is evolving from an emerging capability into an enterprise standard."

"Most agent projects stall before production, because the infrastructure was never built for them," said Ilan Zerbib, founder and CEO of Sapiom. "Payment rails designed for humans cannot authorize an agent. Mastercard Agent Pay for Machines closes that gap at the settlement layer. Sapiom handles runtime, execution and access to the machine economy. Together they enable agents to act, transact and complete work in production without months of bespoke infrastructure."

"Trust enables machine payments at scale and we're excited to partner with Mastercard so verified agents can transact anywhere," said Ankit Agarwal, chief technology officer at Skyfire.

"Right now, there is an opportunity to define how AI agents will seamlessly pay for the goods and services they need," said Rishin Sharma, head of AI Growth, Solana Foundation. "The infrastructure powering these transactions will need to operate across stablecoins, card networks, and other payment rails. Solana is built to enable these types of solutions at scale, and we're excited to work alongside Mastercard."

"Agentic commerce needs payment infrastructure that can support autonomous execution and reliable settlement. Mastercard Agent Pay for Machines is a meaningful step in that direction, connecting agent-initiated payments to global infrastructure built for real-world scale," said Chandler Fang, co-founder of t54 Labs. "By partnering with Mastercard, t54 brings its trust layer to Machine Payments, adding real-time transaction-level risk assessment, Know Your Agent verification and traceability across the payment lifecycle. This helps create a clear evidence layer for agent authorization, chargebacks, dispute resolution, and liability review, making agent-led payments more secure, auditable and accountable."

"Agentic commerce needs open standards at the protocol layer and open settlement rails underneath," said Dan Romero, go-to-market at Tempo. "We're excited to work with Mastercard on Machine Payments Protocol compatibility, with Tempo providing stablecoin settlement for agent-driven payments at scale."

"We're entering an era where AI agents are becoming economic actors, making purchases and moving value without any human in the loop," said Bryce Ferguson, Co-Founder & CEO, Turnkey. "Machine-to-machine payments only work if agent actions are secure, auditable, and policy-controlled. Mastercard's agentic commerce initiative is building the common framework the industry needs to make that possible, and Turnkey is excited to provide the secure wallet infrastructure that enables trusted, programmable transactions at scale."

"The next phase of payments will be increasingly programmable, automated and embedded into how machines and businesses interact," said Bentzi Rabi, co-founder and CEO of Utila. "We are excited to work with Mastercard to help provide the secure stablecoin and digital asset infrastructure needed to make these flows fast, governed and scalable."

关于万事达卡

万事达卡致力于“予力经济，赋能民众”。在超过200个国家和地区，我们正与客户携手共建富有韧性的全球经济，让人人皆能在其中发展繁荣。我们提供广泛和多元的数字支付选择，确保每一笔交易安全、智能和便捷。通过整合创新科技、合作伙伴和网络资源，我们打造匠心独具的产品与服务组合，赋能个人、企业机构与政府部门释放无价潜能。