en.Wedoany.com Reported - Mastercard has launched a new platform, Agent Pay for Machines (AP4M), designed to enable fully automated payments between artificial intelligence agents and digital systems, supporting high-frequency, low-latency, low-value transactions, allowing software to complete payments autonomously, continuously, and securely.
The company notes that advances in generative AI and intelligent agents are creating a new model of digital commerce, where systems can negotiate services with each other without human intervention. In this model, transactions can occur around the clock, involving thousands of micro-transactions per second, requiring a different payment infrastructure than those currently used by consumers and businesses. Jorn Lambert, Chief Product Officer at Mastercard, stated that Agent Pay for Machines will create conditions for an explosion of new AI-based business models, where machine-to-machine payments can handle large volumes of small transactions with extremely low latency.
Unlike traditional consumer-initiated transactions, AP4M is specifically designed for programmatic payments executed automatically between applications. The platform allows authorized AI agents to negotiate services, make purchases, and settle transactions in real-time within Mastercard's global network. Demonstrated use cases include: an agent that can automatically sign up for digital services to create a corporate website, covering domain names, hosting, images, and payment methods; or a logistics system that automatically pays shipping fees, reserves dock slots, obtains tracking data, and settles operational costs as goods move through the supply chain.
The architecture of Agent Pay for Machines is based on four pillars: registration of digital agents, enabling them to be identified and recognized across different ecosystems; programmatic definition of authorization rules and financial limits; execution of automated transactions between organizations and platforms; and settlement via multiple payment methods, including cards, bank accounts, and stablecoins. According to Mastercard, this service expands the Agent Pay initiative launched in 2025, adding new payment capabilities specifically for machine-to-machine and AI-based applications.
The platform's development has brought together a wide range of technology and financial partners. Initial participants include Adyen, Ant International, BVNK, Checkout.com, Cloudflare, Coinbase, Getnet, Global Payments, OKX, Stripe, Ripple, Polygon, Solana Foundation, MoonPay, Tempo, and other payment infrastructure, blockchain, and cloud computing companies. The initiative aims to establish standards for automated commerce and accelerate the adoption of payments by intelligent agents across different sectors of the digital economy.
Brazil has been included in Mastercard's global strategy for agent commerce. The company stated that Itaú, Santander, and Getnet participated in the initial local implementations of the technology, conducting real transactions initiated by AI agents using Mastercard's infrastructure. According to Mastercard, the tests validated the technical feasibility of the solution in real business operations, positioning the Brazilian market as one of the first to experience large-scale autonomous payments, reinforcing the country's role in adopting AI commerce technology.
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