# Adyen: Agentic commerce

Source: https://www.bankingnewsai.com/fintech/adyen/agentic-commerce
Last updated: Oct 22, 2026

*Part of the [Adyen AI strategy profile](https://www.bankingnewsai.com/fintech/adyen).*

## What is Adyen doing in agentic commerce?

Adyen positions itself as the neutral layer that lets merchants sell through any AI agent while keeping control of payments, data and the customer. It collaborated on Google's Agent Payments Protocol at its September 2025 launch, published four merchant-first principles on October 15, 2025 (verifiable shopper mandates, merchant-controlled tokenization, a universal payment token and merchant ownership of transaction data) and joined the Agentic AI Foundation. Its 2025 annual report said Adyen was "starting to see the first transactions". Adyen became a founding member of the x402 Foundation in April 2026 and on June 16, 2026 launched Adyen Agentic, APIs for catalog feeds, carts and agent payments, in limited availability for U.S. enterprise merchants, with American Express, Mastercard, Salesforce and Visa as strategic partners. It was among more than 30 users of Mastercard's Agent Pay for Machines at its July 2026 launch, and Meta said in October 2026 that it was testing Adyen checkout inside its Messenger business agent. On the August 13, 2026 call co-CEO Pieter van der Does said Adyen is "heavily investing" in machine-to-machine payments, and investor relations said OpenAI is both an Adyen Agentic partner and a customer. Adyen says no protocol has become dominant and that Europe's strong customer authentication rules will keep a person confirming purchases there for some time. It has disclosed no agentic volume or revenue. ([Google Cloud](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol), [Adyen](https://www.adyen.com/knowledge-hub/building-a-merchant-first-foundation-for-agentic-commerce), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMDQxMCwidGltZXN0YW1wIjoxNzcwOTA5ODMzLCJ2ZXJzaW9uIjoxNzcwOTA5ODIzfQ:adyen:H5vsx79VwLKJkfLZBrmssAmZF4pGvB9sTS75BJt4_pU/download), [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download), [Adyen](https://www.adyen.com/en_GB/knowledge-hub/adyen-joins-x402-foundation), [Adyen via PR Newswire](https://www.prnewswire.com/news-releases/adyen-announces-adyen-agentic-as-the-universal-translator-for-the-next-era-of-commerce-302801269.html), [American Banker](https://www.americanbanker.com/payments/news/mastercard-touts-agentic-ai-tools-during-earnings-call), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/meta-debuts-ai-tools-help-advertisers-find-customers/), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-adyen-shares-jump-on-h1-2026-growth-platform-push-93CH-4858426), [Adyen](https://www.adyen.com/knowledge-hub/agentic-commerce-guide))

## What has Adyen done in agentic commerce, and when?

In date order; the payment-ecosystem page covers the product modules, these rows the partnerships, standards and live merchants.

| Item | What happened | Date | Sources |
| --- | --- | --- | --- |
| Agent Payments Protocol (AP2) | Adyen named among more than 60 collaborating organizations at Google's launch | September 16, 2025 | [Google Cloud](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol) |
| Merchant-first principles | Agents act only under an explicit, verifiable mandate; merchants support all payment methods and run their own tokenization; a universal payment token recognizes shoppers across agents; merchants own transaction data and post-purchase service | October 15, 2025 | [Adyen](https://www.adyen.com/knowledge-hub/building-a-merchant-first-foundation-for-agentic-commerce) |
| Standards work | Collaborated with OpenAI, Google, Cloudflare, Visa and Mastercard on open standards and joined the Agentic AI Foundation | February 12, 2026 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMDQxMCwidGltZXN0YW1wIjoxNzcwOTA5ODMzLCJ2ZXJzaW9uIjoxNzcwOTA5ODIzfQ:adyen:H5vsx79VwLKJkfLZBrmssAmZF4pGvB9sTS75BJt4_pU/download) |
| First transactions | Agentic commerce is unfolding gradually and Adyen is "starting to see the first transactions" | March 5, 2026 | [Adyen](https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyMjMwOCwidGltZXN0YW1wIjoxNzc1NTY0MjQ0LCJ2ZXJzaW9uIjoxNzcyNjkwMjA3fQ:adyen:DEcCEo4XPo3eDfzj-fjMZ366g2pQkuoZMPARCHC5BoE/download) |
| x402 Foundation | Founding member of the Linux Foundation body for payments over HTTP, aimed at machine-to-machine payments | April 2, 2026 | [Adyen](https://www.adyen.com/en_GB/knowledge-hub/adyen-joins-x402-foundation) |
| Adyen Agentic | Agentic Feed, Agentic Cart and Agentic Payments; retailers ESW, Scheels, Sézane and SharkNinja; supports ACP, UCP and AP2 | June 16, 2026 | [Adyen via PR Newswire](https://www.prnewswire.com/news-releases/adyen-announces-adyen-agentic-as-the-universal-translator-for-the-next-era-of-commerce-302801269.html) |
| Mastercard Agent Pay for Machines | Adyen among more than 30 users at launch of Mastercard's machine-to-machine payment product, with Checkout.com, Coinbase and Cloudflare | July 30, 2026 | [American Banker](https://www.americanbanker.com/payments/news/mastercard-touts-agentic-ai-tools-during-earnings-call) |
| OpenAI | "It is an Adyen Agentic partner and also a customer", Adyen investor relations said on the H1 call; van der Does pointed to Sézane as an early live merchant | August 13, 2026 | [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-adyen-shares-jump-on-h1-2026-growth-platform-push-93CH-4858426) |
| Meta Business Agent | Meta said it was testing direct checkout with Adyen, PayPal, Shopify and Stripe inside its business agent on Messenger | October 7, 2026 | [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/meta-debuts-ai-tools-help-advertisers-find-customers/) |

## Which kinds of agentic commerce does Adyen think are real today?

Adyen's July 2026 framework of four models, with its own read on how mature each is.

| Model | What it means | Adyen's read | Sources |
| --- | --- | --- | --- |
| Human-in-the-loop purchasing | Agents help discover, compare and build carts; the shopper makes the final decision; the focus of OpenAI's ACP and Google's UCP | "Live today and scaling quickly", though most enterprise merchants are at the very beginning | [Adyen](https://www.adyen.com/en_GB/knowledge-hub/the-four-models-of-agentic-commerce) |
| Autonomous shopper behaviors | The agent both decides and executes, for example buying a flight below a set price | Still emerging; will scale only once human-in-the-loop experiences are trusted | [Adyen](https://www.adyen.com/en_GB/knowledge-hub/the-four-models-of-agentic-commerce) |
| Agent-to-agent commerce and machine payments | Software buys from software, with micropayments and usage-based pricing; protocols such as x402 | "Largely experimental today" | [Adyen](https://www.adyen.com/en_GB/knowledge-hub/the-four-models-of-agentic-commerce) |
| Agentic procurement for B2B | Agents source supplies, renew contracts and buy inventory | A longer-term priority for most; standards immature | [Adyen](https://www.adyen.com/en_GB/knowledge-hub/the-four-models-of-agentic-commerce) |

## How does Adyen handle consent, fraud and liability in agent-led payments?

Adyen's model rests on mandates and tokens. Its principles require "an auditable, signed proof of approval for each transaction", which it calls protection against buyer's-remorse claims and an input to fraud decisions, and they keep the payment token with the merchant so that subscriptions and stored credentials survive an agent-executed payment. ([Adyen](https://www.adyen.com/knowledge-hub/building-a-merchant-first-foundation-for-agentic-commerce))

Adyen names three risks unique to agentic commerce: promotion and inventory abuse by agents, a mismatch between a shopper's mandate and intent, and unclear liability. Its September 2026 guide says two backstops keep risk in check for now, the mandate and the shopper confirming each payment, and that the second disappears as fully autonomous payments spread. ([Adyen](https://www.adyen.com/knowledge-hub/agentic-commerce-fraud), [Adyen](https://www.adyen.com/knowledge-hub/agentic-commerce-guide))

On regulation, the guide says strong customer authentication and 3DS2 assume a real person confirms the purchase, so human-in-the-loop purchasing is likely to remain the standard in Europe for some time, while the absence of an equivalent U.S. mandate is part of why agentic pilots move faster there; "No ecommerce platform or payment provider can guarantee compliance." ([Adyen](https://www.adyen.com/knowledge-hub/agentic-commerce-guide))

Adyen's 2026 fraud research found AI shopping-assistant adoption among consumers rose from 12% to 35% year over year, American Banker reported, and Adyen's global head of digital said fraudsters also have access to AI tools. ([American Banker](https://www.americanbanker.com/payments/news/adyen-says-friendly-fraud-ai-pose-threats))

## How large is agentic commerce for Adyen so far, and what is not disclosed?

Adyen's Singapore research, published September 23, 2026, found 42% of consumers use AI to shop weekly while 95% of retailers face barriers to wider AI adoption and 36% fear losing direct customer relationships or brand control. ([Adyen](https://adyen.com/en_SG/knowledge-hub/adyen-index-sg-ch2-agentic-commerce))

Outside data point to small volumes on machine-payment rails: American Banker reported that daily volume on x402, the protocol whose foundation Adyen helped found, fell from $800,000 in January 2026 to about $40,000 in September. ([American Banker](https://www.americanbanker.com/payments/news/agentic-payment-rail-shows-volume-decline), [Adyen](https://www.adyen.com/en_GB/knowledge-hub/adyen-joins-x402-foundation))

What is not disclosed: agentic transaction counts or volume, revenue from Adyen Agentic, the number of merchants live on it, how liability is allocated between merchant, agent platform and Adyen when an agent purchase is disputed, and the timing of general availability outside the U.S. ([Adyen via PR Newswire](https://www.prnewswire.com/news-releases/adyen-announces-adyen-agentic-as-the-universal-translator-for-the-next-era-of-commerce-302801269.html), [Adyen](https://www.adyen.com/knowledge-hub/agentic-commerce-fraud), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-adyen-shares-jump-on-h1-2026-growth-platform-push-93CH-4858426))

## What does the Adyen profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Oct 7, 2026 | Meta tests Adyen checkout inside Messenger's Business Agent | Meta said it was testing a direct checkout experience with Adyen, PayPal, Shopify and Stripe inside Meta Business Agent on Messenger this fall, alongside adding the PayPal wallet to its existing Link by Stripe and Shop Pay checkout options. | [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/meta-debuts-ai-tools-help-advertisers-find-customers/) |
| Sep 23, 2026 | Adyen Index Singapore: 'The agentic paradox' | Chapter 2 of Adyen's 2026 Singapore Retail Report, based on surveys of over 1,000 consumers and 300 enterprise retailers, found 42% of consumers use AI to shop weekly and 95% of retailers face barriers to wider AI adoption, including 36% who fear losing direct customer relationships or brand control; the report frames single-platform payments infrastructure as underpinning trust in agentic commerce. | [Adyen](https://adyen.com/en_SG/knowledge-hub/adyen-index-sg-ch2-agentic-commerce) |
| Jun 16, 2026 | Adyen Agentic launches | Adyen announced Adyen Agentic, modular APIs (Agentic Feed, Agentic Cart, Agentic Payments) that let enterprises sell through conversational AI platforms without rebuilding for each channel; limited availability for US enterprise merchants at launch. | [Adyen via PR Newswire](https://www.prnewswire.com/news-releases/adyen-announces-adyen-agentic-as-the-universal-translator-for-the-next-era-of-commerce-302801269.html) |
| Feb 12, 2026 | H2 2025 results; Adyen joins the Agentic AI Foundation | Full-year 2025 net revenue was €2,364.2 million (up 18%); Adyen said it had joined the Agentic AI Foundation and deepened partnerships with OpenAI, Google, Cloudflare, Visa and Mastercard. | [Adyen](https://www.adyen.com/press-and-media/adyen-publishes-h2-2025-financial-results-3pgu2) |

## Common questions

### What is Adyen Agentic?

A suite of APIs Adyen launched on June 16, 2026: Agentic Feed publishes product data to AI platforms, Agentic Cart turns an agent's selection into an order in the merchant's existing systems, and Agentic Payments handles authentication, tokens and risk. It started in limited availability for U.S. enterprise merchants.

### Which agentic commerce protocols does Adyen support?

Adyen collaborated on Google's Agent Payments Protocol at its September 2025 launch, says Adyen Agentic supports OpenAI's Agentic Commerce Protocol, Google's Universal Commerce Protocol and AP2, and became a founding member of the x402 Foundation for machine payments in April 2026. It argues no single protocol will win.

### Does Adyen work with OpenAI on agentic commerce?

Yes. Adyen collaborated with OpenAI on agentic commerce standards in the second half of 2025, and on the August 13, 2026 call Adyen's investor relations said OpenAI is both an Adyen Agentic partner and a customer; co-CEO Pieter van der Does said the customer relationship is for payments.

### Who is liable if an AI agent makes a bad purchase through Adyen?

Adyen has not published a liability allocation. It lists unclear liability among three risks unique to agentic commerce and relies on verifiable shopper mandates, signed proof of approval for each transaction, as its main protection against disputed agent purchases. In Europe, it expects a person to keep confirming purchases under strong customer authentication rules.

### How much agentic commerce volume does Adyen process?

Adyen does not say. Its 2025 annual report said it was starting to see the first transactions, and it has published no counts or volumes since. Its own July 2026 framework calls human-in-the-loop agent purchasing live and scaling, while machine-to-machine payments remain largely experimental.
## Deeper on Adyen

- [How does Adyen use AI across its payment ecosystem?](https://www.bankingnewsai.com/fintech/adyen/payment-ecosystem-ai)
- [What is Adyen's role in the digital payments transformation?](https://www.bankingnewsai.com/fintech/adyen/digital-payments-transformation)
- [How does Adyen use AI for fraud and risk?](https://www.bankingnewsai.com/fintech/adyen/fraud-and-risk-ai)
- [What is Adyen's AI strategy?](https://www.bankingnewsai.com/fintech/adyen/ai-strategy)
- [What is Adyen's role in open finance and open banking?](https://www.bankingnewsai.com/fintech/adyen/open-finance)

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