Definition
Mastercard Agent Pay is a payment framework enabling AI agents to initiate and complete purchases on behalf of consumers while preserving explicit consent, authentication, and issuer visibility. It extends Mastercard’s tokenization stack — including Secure Card on File and payment-passkeys — to agentic commerce flows.
Key Points
- 2026-09-21: Denmark’s first AI-agent-initiated consumer payment — danske-bank + mastercard demo via Priceless.com coffee tasting; payos handled technical execution (2026-09-21-danske-bank-mastercard-ai-agent-payment)
- Explicit consumer consent required before transaction proceeds
- Authentication via Mastercard Payment Passkeys verifies account-holder action
- Earlier 2026 agentic transactions completed in Ukraine, Moldova, and Netherlands per The Paypers
- PayOS demonstrated agentic token transactions with Mastercard Agent Pay in September 2025
Related
- agentic-commerce
- agentic-finance
- agent-native-payments
- payment-passkeys
- mastercard
- danske-bank
- payos
- stripe
- link-wallet