Agentic commerce needs answers before it can scale

The Agentic Payments Alliance is a coalition of more than 25 payment networks, processors, blockchains, and technology companies working through the questions agent-driven commerce raises.

Why now.

By 2030, McKinsey projects between $3 trillion and $5 trillion in global agentic commerce. Very little of the groundwork that activity depends on has been settled. How an agent proves it has authority to spend, how fraud gets caught when the buyer is software, how loyalty and rewards travel with an agent instead of a person. These are open questions, and right now they are being answered company by company, in isolation.
That is the problem the alliance was formed to address. Decisions made in isolation harden fast, and the industry inherits them whether they were the right calls or not. Getting the networks, processors, blockchains, and compliance teams into the same conversation now costs far less than untangling incompatible answers later.
The Alliance's members publish research and frameworks the category is missing, test emerging standards for agent identity and authorization, and take shared positions on the regulatory questions agentic commerce raises.
“No single company should get to decide how agents transact on someone's behalf. That has to come from the platforms building the rails, the regulators setting the rules, and the innovators closest to how agents are actually being used today. We initiated the Agentic Payments Alliance to put all of these parties in the same room, and to do it now, while the category is still taking shape.”
Farooq Malik
CEO & Co-founder, Rain
“The risk in a moment like this is not that the industry moves too slowly — it's that innovation outpaces alignment. For decades, Mastercard has helped shape the standards that enable commerce at scale, and our participation in the Agentic Payments Alliance is a natural extension of that work for the agentic era.”
Sherri Haymond
EVP and Global Head of Digital Commercialization, Mastercard

What members actually do

Shape the standards

Members test emerging standards for agent identity and authorization while they are still open to change. The charter and mission are set by the members together, not handed down by a convener.

Published shared research

The category is short on reference material. Members produce it, from how spending authority gets delegated to an agent to how a disputed agent transaction should be handled, and put it in front of regulators and the wider industry.

Speak with one voice on policy

Agentic commerce raises questions about liability, consumer protection, and disclosure that no single company can answer credibly on its own. Members work them out together and take shared positions to policymakers.

Frequently asked questions

Is the APA a network, a protocol, or a product?
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The APA is none of these things. It is a working coalition. There is nothing to integrate and nothing to settle through. Members produce research and frameworks, test emerging standards, and take shared positions on policy.

How does the APA relate to agentic protocols like ACP, AP2, x402, and MPP?
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The Agentic Payments Alliance does not compete with them. Several of the teams behind protocols in this space are founding members. Testing emerging standards for agent identity and authorization is part of the Alliance's work, and that work is more useful with the protocol authors in the room than without them.

Who runs it?
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Rain convened the alliance, but its members run it collectively and set the charter and mission together. No single company owns it or controls its output.

What does membership involve?
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Members participate in the working groups, contribute to shared research and frameworks, and help test emerging standards. Members also get early access to startups building on the frontlines of agentic commerce.

Who can join?
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The Alliance seeks organizations across payments, financial services, technology, and policy. Please submit your information using the form below.

The standards are being written. Be in the room.

Open to organizations across payments, financial services, technology, and policy.

Apply to Join