Payment giants race to build infrastructure for AI-driven commerce

Major payment networks like Adyen, Stripe, Visa, and Mastercard are developing infrastructure to support agentic commerce, following the failure of OpenAI's native checkout. This infrastructure aims to address issues such as protocol fragmentation, unreliable product data, and fraud detection for AI-driven transactions. Adyen has launched a modular API suite, Adyen Agentic, to connect merchants to various AI commerce surfaces, while Stripe is focusing on developer tools and integrations with platforms like ChatGPT and Gemini. Visa and Mastercard are positioning themselves as trust and credentialing layers for AI agents, though they rely on partners for end-to-end transaction orchestration. AI

IMPACT Payment infrastructure providers are building foundational services to enable scaled agentic commerce, potentially unlocking new revenue streams.

RANK_REASON Major payment networks are developing new infrastructure to support a nascent market, indicating a significant shift in e-commerce. [lever_c_demoted from significant: ic=1 ai=0.7]

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• Adyen
• Adyen Agentic
• Agent Payments Protocol
• American Express
• ChatGPT
• Google
• Mastercard
• Meta AI
• OpenAI
• OpenAI's Agentic Commerce Protocol
• Salesforce
• Scheels
• Sézane
• SharkNinja
• Shopify
• Stripe
• Universal Commerce Protocol
• Walmart

• product
• infra

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