Agentic Payment Protocol AP2 – Payment for agentic systems

AP2 (Agentic Payment Protocol) is an open, interoperable standard for autonomous agents to discover offers, negotiate terms, verify identity, and authorize & settle payments—end-to-end.

Related to OpenAI’s ChatGPT Instant Payment and the Agentic Commerce Protocol ACP , it provides a more generic payment framework while ACP is focussed on e-commerce transactions.

About AP2

It blends intent-based commerce with verifiable credentials and signed offers, preserves privacy via selective disclosure, and is settlement-agnostic (cards, bank, crypto). With roles like shopper/merchant agents, wallets, and credential providers, AP2 turns checkout into programmable, real-time contracts—reducing fraud and friction while enabling new business models across marketplaces, apps, and IoT.

It was initiated by Google and published in September 2025.

What is the current status of AP2?

We would describe it as technical preview. The initial ecosystem is published, but there are no production-ready implementation on the market yet.

The sample implementation provides a very basic human-present case, with mocked agents for all relevant elements.

This is a confirmation dialog of the finished transaction (Sep. 2025):

Sample purchase confirmation using the Agentic Payment Protocol and the prototype implementation of Google

What is the human-present cart mandate scenario?

When the user is active shopping with the shopping agent, a real-time interaction happens.

This is the diagram:

What is the human-not-present, intent mandate scenario?

The user can also provide the shopping agent with a specific intent mandate – e.g. to book a trip with flights, hotel and rental car. The shopping agent takes care of all bookings and will finally confirm and order all services, without the user always confirming the booking.

Providers and companies

The following table represents the available implementations.

RoleCompany / ProjectEvidence linkEvidence typeImplementation statusCode link(s)
Shopping Agent (reference)Google sample agentshttps://github.com/google-agentic-commerce/AP2GitHub repoReference codehttps://github.com/google-agentic-commerce/AP2/tree/main/samples
A2A extension (crypto)A2A x402 extensionhttps://ap2-protocol.org/topics/ap2-and-x402/Official docsReference codehttps://github.com/google-agentic-commerce/a2a-x402
Credentials ProviderPayPalhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Credentials ProviderRevoluthttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Credentials ProviderPayoneerhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Credentials Provider (crypto)Coinbasehttps://ap2-protocol.org/topics/ap2-and-x402/AP2 docs (x402 collaborators)Docs: samples in progress—
Credentials Provider (wallet)MetaMaskhttps://ap2-protocol.org/topics/ap2-and-x402/AP2 docs (x402 collaborators)Docs: samples in progress—
Credentials Provider (wallet)Monee (ShopeePay)https://ap2-protocol.org/partners/Official partners pagePartner listed—
Credentials Provider (B2B spend)Mesh Paymentshttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Identity/Auth1Passwordhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Identity/AuthOktahttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Identity/AuthPing Identityhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Risk/FraudForterhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointAlibaba.comhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointEtsyhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointLazadahttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointShopeehttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointTrip.comhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointDellhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointThe Iconichttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointZalorahttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant EndpointShopcider.comhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPAdyenhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPWorldpayhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPWorldlinehttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPWPayhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPDLocalhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPEBANXhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPKCP (Fiuu)https://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPJuspayhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPGr4vyhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPP (gateway/integration)Graviteehttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPPAirwallexhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Merchant PSP / MPP (crypto)BVNKhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Networks / IssuersMastercardhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Networks / IssuersAmerican Expresshttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Networks / IssuersJCBhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Networks / IssuersUnionPay Internationalhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Commerce PlatformsSalesforcehttps://www.digitalcommerce360.com/2025/09/19/google-ai-payments-protocol-ap2/Trade pressPress coverage—
Commerce PlatformsShopifyhttps://www.digitalcommerce360.com/2025/09/19/google-ai-payments-protocol-ap2/Trade pressPress coverage—
Commerce PlatformsIntuithttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Crypto rails (x402 collab)Ethereum Foundationhttps://ap2-protocol.org/topics/ap2-and-x402/AP2 docsDocs: samples in progress—
Crypto rails (x402 collab)Mysten Labshttps://ap2-protocol.org/topics/ap2-and-x402/AP2 docsDocs: samples in progress—
Crypto rails (x402 collab)Crossminthttps://ap2-protocol.org/topics/ap2-and-x402/AP2 docsDocs: samples in progress—
Crypto rails (x402 collab)EigenLayerhttps://ap2-protocol.org/topics/ap2-and-x402/AP2 docsDocs: samples in progress—
Crypto rails (x402 collab)Lightsparkhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorAccenturehttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorPwChttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorAdobehttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorRed Hathttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorConfluenthttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorCloudflare (NET Dollar)https://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorBlackhawk Networkhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorAnt Grouphttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorRazerhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorGarenahttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorDafitihttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributorEbanxhttps://ap2-protocol.org/partners/Official partners pagePartner listed—
Ecosystem contributormanus.aihttps://ap2-protocol.org/partners/Official partners pagePartner listed—