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awesome-agentic-commerce

by OrcaQubits · Updated 1 month ago

A curated list of awesome Agentic commerce, Universal Commerce Protocol (UCP), Agentic payments protocol (AP2) resources, tools, and implementations.

Open source alternative to:
Stripe PayPal Lemon Squeezy Paddle Coinbase Commerce
ACP OrcaQubits/awesome-agentic-commerce
View on GitHub

In the AI payments ecosystem

awesome-agentic-commerce is an early-stage project in the AI payments / x402 ecosystem, focused on a2a, acp, agent-payments-protocol, agentic-commerce. It currently has 9 GitHub stars and 16 forks, and sits alongside related tools like agentic-commerce-skills-plugins, awesome-agent-payments-protocol, awesome-agentic-commerce, awesome-agentic-commerce, agorio, awesome-agent-protocols.

README.md View on GitHub →

Awesome Agentic Commerce Awesome

A curated list of resources for agentic commerce protocols: UCP, ACP, AP2, MPP, AMP, and A2A

This repository is a reference point to official resources. It does not own or maintain these protocols. For authoritative information, always consult the official documentation.

Contents


What is Agentic Commerce?

Agentic commerce is the emerging paradigm where AI agents act on behalf of users to discover products, compare options, and complete purchases. Instead of humans clicking "buy" buttons on websites, AI assistants like ChatGPT, Gemini, or Copilot can browse catalogs, compare prices, and execute transactions autonomously.

The Challenge: Traditional e-commerce assumes a human is directly interacting with a website. When an AI agent acts on behalf of a user, new questions arise:

  • How does a merchant know the agent is authorized to buy?
  • How can agents from different platforms communicate?
  • How do you prove the user actually wanted this purchase?

The Solution: These five protocols work together to create a secure, interoperable foundation for agent-led commerce.


UCP - Universal Commerce Protocol

End-to-end commerce standard for AI agent transactions

Maintainers: Google, Shopify, Etsy, Wayfair, Target, Walmart

What is UCP?

UCP is "the common language for platforms, agents, and businesses." It defines building blocks for the entire commerce journey—from product discovery to checkout to order tracking—through a single, standardized interface.

Key Concepts:

  • Checkout - Unified checkout sessions supporting complex cart logic, dynamic pricing, and tax calculations
  • Identity Linking - OAuth 2.0-based secure connections between agents and user accounts (loyalty programs, saved addresses)
  • Order Management - Real-time webhooks for shipment tracking, returns, and post-purchase updates

Why it matters: Without UCP, every agent platform would need custom integrations with every merchant (N×N problem). UCP collapses this into a single standard that any agent can use with any UCP-enabled merchant.

🎖️ Official Resources

🔌 Tools & Plugins

🏪 Google Merchant Integration

🐍 SDKs & Implementations

📰 Announcements


ACP - Agentic Commerce Protocol

Open standard for programmatic commerce between AI agents and businesses

Maintainers: OpenAI, Stripe

What is ACP?

ACP enables AI agents to complete purchases on behalf of users directly within chat interfaces—like buying products without leaving a ChatGPT conversation. It powers features like "Instant Checkout" where users can discover and purchase items seamlessly.

Key Concepts:

  • Shared Payment Token (SPT) - A secure, one-time-use token that lets agents initiate payments without ever seeing the user's card number. The token is scoped to a specific merchant and cart total.
  • Agentic Checkout - A RESTful API (or MCP server) that merchants implement with four endpoints: create, update, complete, and cancel checkout
  • Delegated Payment - The flow where Stripe (or another PSP) issues an SPT, and the agent passes it to the merchant to complete the transaction

Why it matters: ACP separates payment credentials from the agent entirely. The user pays through Stripe's secure interface, receives an SPT, and the agent never touches sensitive payment data—solving the PCI compliance challenge for AI commerce.

🎖️ Official Resources

🔌 Tools & Plugins

📋 Specifications

🛍️ For Merchants

📰 Announcements


AP2 - Agent Payments Protocol

Secure payment authorization for agent-led transactions using cryptographic mandates

Maintainers: FIDO Alliance (donated by Google, April 2026) + 60 partners Latest version: v0.2 (introduces "Human Not Present" autonomous payments)

What is AP2?

AP2 solves a fundamental problem: How do you prove a user actually authorized an agent to make a purchase? Today's payment systems assume a human is clicking "buy." When an autonomous agent makes a purchase—especially when the user isn't present—there's no proof of intent.

AP2 introduces Mandates: tamper-proof, cryptographically-signed digital contracts that serve as verifiable evidence of user authorization.

Key Concepts:

  • Intent Mandate - Pre-authorization for future purchases with constraints. Example: "Buy concert tickets under $100 when they go on sale." The agent can act autonomously within these bounds.
  • Cart Mandate - Explicit approval for a specific cart. The user reviews the exact items and price, then signs. This is non-repudiable proof of intent.
  • Payment Mandate - Signals to payment networks that an agent is involved, enabling appropriate risk assessment and dispute resolution.

Why it matters: When disputes arise ("I didn't authorize this!"), AP2 mandates provide cryptographic proof of exactly what the user approved. This protects merchants, payment providers, and users in the new world of autonomous agent purchases.

🎖️ Official Resources

🔌 Tools & Plugins

📚 Key Topics

💻 Code Samples

📰 Announcements


MPP - Machine Payments Protocol

Open standard for autonomous agent micropayments

Co-Authors: Stripe, Tempo

What is MPP?

MPP is an open standard for autonomous agent micropayments. It introduces a sessions primitive that allows AI agents to initiate, manage, and settle small-value transactions without human intervention at each step.

Key Concepts:

  • Sessions - A primitive that bundles multiple micropayments into a single authorized context, reducing friction for high-frequency agent transactions
  • Micropayments - Designed for small-value, high-volume payments typical of agent-to-agent and agent-to-service interactions
  • Multi-Rail Support - Supports card networks, digital wallets, and Lightning Network for flexible settlement

Why it matters: As AI agents consume paid APIs, purchase digital goods, and transact with other agents autonomously, traditional checkout flows break down. MPP provides a purpose-built payment layer for machine-to-machine commerce at scale.

🎖️ Official Resources

🔌 Tools & Plugins

📰 Announcements


AMP - Agentic Mobile Protocol

Open-source mobile-first agentic payment framework for digital wallets, super apps, and wearables

Maintainers: Ant International (Alipay+ ecosystem) Launched: April 2026

What is AMP?

AMP is the first agentic payment protocol designed natively for mobile interfaces — smartphones, smartwatches, AR glasses, and in-car systems — rather than card-based desktop checkout. It establishes a universal, auditable standard for AI agents to transact across digital wallets and super apps.

Key Concepts:

  • KYA (Know Your Agent) Framework - Establishes an agent's digital identity and certifies its authorized capabilities, parallel to KYC for humans
  • Agent Trust Rating - Dynamic risk-management score that determines an agent's trustworthiness and controls its level of autonomy
  • Money-back Guarantee - Every agent-initiated transaction is backed by a refund mechanism for payment partners in cases of account takeover
  • Cross-device Compatibility - Designed for non-card form factors absent from traditional payment rails

Why it matters: The Alipay+ network reaches 1.8B user accounts and 150M merchants globally — primarily across APAC. AMP gives this footprint an agentic-commerce layer and complements card-based protocols (Visa TAP, Mastercard Agent Pay) for emerging markets where mobile wallets dominate.

📰 Announcements


A2A - Agent2Agent Protocol

Open standard for AI agent interoperability and communication

Maintainers: Google (Linux Foundation)

What is A2A?

A2A enables AI agents built on different frameworks, by different companies, running on separate servers to discover each other's capabilities and collaborate on tasks—as agents, not just as tools.

Think of it as the "common language" that lets a travel planning agent talk to a flight booking agent, a hotel agent, and a car rental agent to coordinate a complete trip.

Key Concepts:

  • Agent Card - A JSON document that agents publish describing who they are, what they can do, and how to communicate with them. It's like a business card for AI agents.
  • Tasks - The fundamental unit of work. Tasks have a lifecycle (submitted → working → completed/failed) and can be long-running with progress updates.
  • Messages & Parts - Agents communicate through messages containing different content types: text, files, or structured data.
  • Update Mechanisms - Three ways to get task updates: polling (simple), streaming (real-time), or push notifications (webhooks for async work).

A2A vs MCP: MCP (Model Context Protocol) connects agents to tools and data. A2A connects agents to other agents. They're complementary—an agent might use MCP to access a database and A2A to delegate work to a specialized agent.

🎖️ Official Resources

🔌 Tools & Plugins

🐍 Official SDKs

💻 Samples & Tools

📚 Tutorials

📰 Announcements


How They Relate

User → AI Agent → A2A (agent discovery & coordination)
                → UCP/ACP (commerce actions)
                → AP2 (payment authorization)
                → MPP (agent micropayments)
                → Payment Rails (Stripe, Visa TAP, Mastercard, PayPal, x402, L402)
                → Merchants & Payment Networks
Protocol Layer Purpose
A2A Communication Agents discover and talk to each other
UCP Commerce End-to-end commerce (Google ecosystem)
ACP Commerce Agent checkout (OpenAI/Stripe ecosystem)
AP2 Payments Secure payment authorization with mandates
MPP Payments Autonomous agent micropayments via sessions
AMP Payments Mobile-first agentic payments via digital wallets (Alipay+)
x402/L402 Crypto Rails Stablecoin and Lightning Network payments for agents
Visa TAP / Mastercard Agent Pay / PayPal Agent Ready Fiat Rails Card network and wallet infrastructure for agent transactions

Example: Planning a Trip

  1. A2A - Your personal agent discovers a flight agent, hotel agent, and car rental agent
  2. A2A - Agents collaborate to find options within your $700 budget
  3. AP2 - You create an Intent Mandate: "Book travel under $700 total"
  4. UCP/ACP - Each agent executes checkout with their respective merchants
  5. AP2 - Cart Mandates are signed for each booking, providing proof of your approval
  6. Result - Three coordinated bookings, all cryptographically tied to your authorization

UCP vs ACP

Both enable commerce, but target different ecosystems:

  • UCP - Google AI surfaces (Search AI Mode, Gemini), supports identity linking, uses AP2 for payments
  • ACP - OpenAI/ChatGPT ecosystem, uses Shared Payment Tokens via Stripe

Merchants wanting maximum reach may implement both.


Crypto Payment Rails

x402

HTTP 402 stablecoin payments over HTTP — no API keys, accounts, or subscriptions

Foundation: Coinbase (co-founded with Cloudflare)

x402 leverages HTTP's 402 Payment Required status code for instant stablecoin payments. It requires no API keys, accounts, or subscriptions—just a wallet. x402 serves as the crypto payment rail within the AP2 protocol.

L402

Macaroons + Lightning Network micropayments for stateless API authentication

Creator: Lightning Labs

L402 combines Macaroons (bearer authorization tokens) with Lightning Network micropayments for a stateless, pay-per-request API authentication model. It's the Bitcoin-native alternative to x402.

Fewsats

Practical L402 toolkit for AI agents — MCP server, CLI, Python SDK

Fewsats provides the tooling layer that makes L402 accessible to AI agents, including an MCP server for direct agent integration.


Fiat Payment Rails

Visa — Intelligent Commerce

Trusted Agent Protocol (TAP) — authentication framework for agent-to-network communication

Initiative: Visa "Intelligent Commerce" program Authentication: HTTP Message Signatures (RFC 9421) Status: 30+ partners in sandbox, early 2026

Visa's TAP provides the authentication layer for AI agents to interact with card networks directly, using cryptographic HTTP message signatures.

Mastercard — Agent Pay

Agentic Tokens — scoped, time-limited payment credentials for AI agents

Mastercard Agent Pay issues Agentic Tokens: scoped, time-limited credentials that allow agents to initiate payments within defined boundaries. Includes an official MCP server for API access.

American Express — Agentic Commerce Experiences (ACE)

Developer kit + Agent Purchase Protection — first card network with consumer-facing dispute coverage for agent errors

Launched: April 14, 2026 Partners: OpenAI, Google, Microsoft, PayPal, Stripe + 11 others

Amex ACE is a developer kit with five components: agent registration, account enablement, intent intelligence (creating an "intent contract" + Proof of Intent Token), single-use payment credentials bound to intent and constraints, and cart context (banks/brands compare submitted cart vs. intent). Pairs with Amex Agent Purchase Protection — industry-first coverage for charges arising from AI agent errors when both card member and merchant acted correctly.

PayPal — Agent Ready

ACP-based agent payments for existing PayPal and Braintree merchants

PayPal's Agent Ready enables existing merchants to accept agent-initiated payments with minimal integration overhead. PayPal manages security and PCI compliance. Includes Store Sync for catalog integration and an Agent Toolkit for programmatic access.

Cloudflare — Agents SDK

Infrastructure SDK with native x402 support and upcoming Visa/Mastercard agent protocol integration

Cloudflare's Agents SDK embeds payment rails directly into the edge infrastructure layer, currently supporting x402 with Visa and Mastercard agent protocols on the roadmap.


Tools & Plugins


Developer Tools

✅ UCP Validation & Testing

🤖 Agent Development


Related Technologies


Learning Resources

📖 Official Guides

📖 Third-Party Analysis

📝 Implementation Tutorials

📰 News Coverage

🏢 Platform Announcements

Google

OpenAI

Microsoft

Anthropic

Meta

Amazon

Regulatory


Market Sizing


Community Resources

📚 Awesome Lists

🌐 Community Sites

📬 Newsletters

💬 Discussions


Adopters & Partners

UCP Co-Developers

  • Google
  • Shopify
  • Etsy
  • Wayfair
  • Target
  • Walmart

UCP Endorsers

  • Adyen
  • American Express
  • Best Buy
  • Flipkart
  • Kroger
  • Lowe's
  • Macy's
  • Mastercard
  • Papa Johns
  • Sephora
  • Stripe
  • The Home Depot
  • Visa
  • Woolworths
  • Zalando

ACP Partners

  • OpenAI
  • Stripe
  • Microsoft Copilot
  • Anthropic
  • Perplexity
  • Salesforce
  • Vercel
  • Replit
  • Fiserv (Mastercard Agent Pay integration)

AP2 Payment Partners

  • Mastercard
  • Visa
  • American Express
  • PayPal
  • Adyen
  • Coinbase
  • Revolut
  • Worldpay

A2A Supporters

  • Google (Linux Foundation governance)
  • 150+ organizations
  • Atlassian
  • MongoDB
  • ServiceNow

Visa Agentic Ready

Europe: Barclays, HSBC UK, Banco Santander, Revolut, Commerzbank, Nationwide, Nexi, Raiffeisen, DZ Bank — 21+ issuers enrolled Canada (May 2026): BMO, CIBC, RBC, Scotiabank, TD APAC + LatAm: 85+ partners (incl. Alliance Bank Malaysia, CIMB, Maybank)

Other Agentic Commerce Platforms

  • Amazon (Shop Direct / Buy for Me / Rufus)
  • Meta (Announced agentic commerce tools for 2026)
  • Microsoft (Copilot Checkout, Brand Agents)
  • Tempo (MPP co-author, blockchain-based agent payments)
  • Ant International (AMP, Alipay+ ecosystem — 1.8B users, 150M merchants)
  • Anthropic (Claude Marketplace, Project Deal experiment)

License

This compilation is provided under the MIT License.

The protocols themselves are Apache 2.0 licensed by their respective maintainers.

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