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MASTERCARD AGENT PAY FOR MACHINES

Powering machine commerce with trust

A hero banner with an abstract, high-speed view from a machine on a track, its motion illustrating forward-moving technology.

Unlocking the power of Al by enabling machine payments.

AI agents are no longer just assisting decisions, they are beginning to act, coordinate services and complete transactions bespoke for their users.
 

In this new environment, businesses need peace of mind they will get paid. Agents need transactions to move instantly, with every transaction completed securely and as expected. Mastercard Agent Pay for Machines is built to meet these needs.

Example: A Coffee Shop Scaling Its Online Presence with Al

A local coffee shop uses an Al agent to build and launch webpages to promote its business online.
 

The business assigns the Al agent a clear task: create and launch its digital presence.

Step 1

The agent identifies qualified providers for design, content creation, and advertising, then recommends a launch plan and budget.

Step 2

The business approves spending limits, funding preferences, and execution rules through a verifiable authorization.

Step 3

The agent engages approved providers and completes machine-speed transactions using verifiable credentials.

Step 4

Service providers submit settlements and receive payment in their preferred currency, including fiat or stablecoin.

A credentialed, multi-rail service designed for machine-driven commerce

Mastercard Agent Pay for Machines enables verified agents to transact within defined permissions, connect with trusted providers, and execute high-frequency transactions with payment assurance and flexible settlement.

Discover

Network-issued credentials to establish trust and a shared discovery layer between counterparties.

Authorize

Agent permissions and spending limits are defined upfront to bound authority.

Execute

Off-chain cryptographic verification to support high-frequency transactions at machine speed.

Account management icon

Settle

Mastercard-backed settlement guarantee for preferred currencies, format, and payment rails.

Partnering to scale an open ecosystem

Mastercard is collaborating with a broad set of partners and using our own solutions to validate priority use cases, establish common rules and accelerate adoption across industries. Initial participants and supporters include:

Ready to explore machine payments?

See how Mastercard enables trusted, controlled, and scalable payments for machine commerce. Watch the explainer video or read the announcement below.  

Contact your Mastercard representative to learn more.

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