Mastercard and Danske Bank have completed Denmark’s first payment made entirely by an AI agent on a consumer’s behalf.
The consumer asked the AI agent to book a coffee tasting experience through Priceless.com, Mastercard’s experience platform, after which the agent carried out both the booking and the payment using a Mastercard-branded card issued by Danske Bank.
The payment was processed through Mastercard Agent Pay, a framework designed to allow AI agents to initiate and complete purchases while keeping the consumer’s consent and control central to the process. Under this setup, the consumer’s approval is obtained explicitly before a transaction proceeds, and the purchase is confirmed through Mastercard Payment Passkeys, an authentication method intended to verify that the transaction has been actioned by the account holder. PayOS managed the technical execution of the transaction from initiation to completion.
According to Erik Gutwasser, Division President at Mastercard Northern Europe, the framework is intended to ensure that AI-initiated payments remain transparent and authenticated, while also giving card issuers greater visibility into transactions triggered by agents.
Danske Bank’s Wraa-Hansen added that the demonstration reflects the bank’s commitment to exploring AI-powered payments with an emphasis on customer value, trust, and control.
Mastercard has indicated that it will continue collaborating with partners across Europe to expand the use of authenticated AI-agent transactions across industries beyond the initial use case demonstrated with Danske Bank in Denmark. The Denmark transaction serves as an early public demonstration of the Agent Pay framework in a live commercial setting, following its introduction as part of Mastercard’s broader agentic commerce strategy. Earlier in 2026, Mastercard completed agentic transactions in other European countries, such as Ukraine, Moldova, and the Netherlands.