Mastercard:
the AI strategy, sourced.

Last updated Nov 8, 2026 · 21 dated moves · 29 sources

Trust layer for agent payments plus AI-powered services: Mastercard registers and tokenizes AI agents (Agent Pay), proves what a user authorized (Verifiable Intent), and sells AI fraud, cyber and advisory services built on its network data.

How is Mastercard using AI?

Mastercard's flagship AI product is Mastercard Agent Pay, launched in April 2025 so registered AI agents can pay with tokenized Mastercard credentials; it added Verifiable Intent with Google in March 2026 and Agent Pay for Machines in June 2026. Its fraud engine, Decision Intelligence Pro, uses generative AI, and Mastercard says it improves fraud detection by 20% on average. Mastercard says one in three of its services is AI-powered, and it paid $2.7 billion for Recorded Future in 2024.

Category

Card network

Founded

1966

Headquarters

Purchase, New York, United States

Licence and supervision

Not a bank: a card network. Designated a systemically important payment system (SIPS) in the EU; in the UK the Bank of England designates Mastercard a recognized payment system and its Vocalink real-time payments platform a specified service provider, with supervision and examination requirements.

Scale

175 billion transactions processed on Mastercard's network in 2025

Flagship platform

Mastercard Agent Pay

AI leadership

Michael Miebach · Greg Ulrich · Jorn Lambert · Kaushik Gopal · Ann Johnson · Kelly Devine

  • Mastercard Agent Pay launched on 29 April 2025 with Agentic Tokens and a requirement that AI agents be registered and verified; by 30 September 2025 it could be used through OpenAI's Instant Checkout in ChatGPT, with Citi and U.S. Bank cardholders already enabled.
  • Verifiable Intent, co-developed with Google and published as an open specification on 5 March 2026, creates a tamper-resistant record of what a user authorized when an agent pays; Mastercard says it will be built into Agent Pay's intent APIs.
  • By June 2026 all Mastercard issuers in Europe were enabled at network level for Agent Pay; Santander ran Europe's first live end-to-end agent payment with Mastercard in March 2026, described as a controlled pilot rather than a commercial rollout.
  • Decision Intelligence Pro, announced in February 2024, applies generative AI to one trillion data points; Mastercard said initial modelling showed fraud detection up 20% on average and as high as 300%, with false positives cut by more than 85%.
  • Mastercard paid $2.7 billion in cash for threat-intelligence firm Recorded Future in December 2024 and in 2025 launched Mastercard Threat Intelligence, combining Recorded Future with network data to detect payment fraud.
  • Mastercard is training a large tabular foundation model on billions of anonymized transactions with Nvidia and Databricks, aimed first at cybersecurity and at reducing the thousands of separate AI models it maintains.
  • In January 2026 Mastercard said a corporate restructuring would affect about 4% of its global staff, and it took a $202 million pre-tax restructuring charge in the first quarter of 2026, aimed at reinvestment in growth; it did not attribute the cuts to AI. At the same results it said it had enabled U.S.-based issuers for agentic commerce.
  • In October 2026 Mastercard opened early access to Agent Pay for Machines (built on the x402 protocol, for AI agents paying for digital services) and launched Mastercard Max, an AI benefits assistant embedded in issuers' own channels, starting with C6 Bank in Brazil.
  • On its Q3 2026 earnings call (October 29, 2026, net revenue $9.8 billion, up 14%) CEO Michael Miebach disclosed a broad strategic partnership with OpenAI covering payments, joint services growth and AI transformation that 'goes well beyond' Agent Pay; on November 2, 2026 Mastercard signed an MOU with Tencent's TenPay Global to explore agentic payments and cross-border interoperability.

What is Mastercard Agent Pay?

Mastercard Agent Pay, launched on 29 April 2025, requires AI agents to be registered and verified and lets them pay with Mastercard Agentic Tokens under limits the consumer sets, with every transaction tied to a specific authorized agent. Verifiable Intent, co-developed with Google and open-sourced in March 2026, adds a tamper-resistant record of what the user authorized; Agent Pay for Machines (June 2026) extends the model to high-frequency, low-value machine-to-machine payments across cards, accounts and stablecoins.[5][6][10][16]

What has Mastercard done on AI, and when?

Mastercard's dated AI moves by year2024Feb 01Decision Intelligence Pro announcedApr 09Data and AI organisation createdDec 20Recorded Future acquisition completes2025Apr 29Mastercard Agent Pay launchesSep 30Agent Pay usable in ChatGPT Instant Checkout2026Jan 27Mastercard Agent Suite announcedJan 29About 4% of staff affected by restructuringMar 02Europe's first live end-to-end agent paymen…Mar 05Verifiable Intent open-sourced with GoogleMar 10Virtual C-Suite for small businessesMar 17Large tabular foundation model disclosedJun 02All European issuers enabled for Agent PayJun 10Agent Pay for Machines launchedJul 30Q2 results cite agentic paymentsSep 28Advanced B2B Analytics for supplier paymentsSep 30Agent Pay Trust Framework and new trust and…Oct 20Agent Pay for Machines reaches early accessOct 21Mastercard Max launches with C6 BankOct 29Q3 2026 earnings call: a broad OpenAI partn…Nov 02MOU with Tencent's TenPay Global on agentic…Nov 04CrediMax (Bahrain) and Sunrate adopt Master…
Figure 1 · Mastercard's AI moves by year, from the timeline below. Filled boxes are the current year. Every entry cites its source in the list at the end of the page.
  • Nov 4, 2026

    CrediMax (Bahrain) and Sunrate adopt Mastercard's agentic infrastructure[29][28]

    CrediMax, a Bahraini payments provider, agreed to collaborate with Mastercard on Mastercard Merchant Cloud and Agent Suite for Merchants to bring AI-powered shopping experiences to Bahrain's merchants; separately, cross-border platform Sunrate launched an Agentic Card for AI-driven business payments that completed Mastercard Agent Pay certification, covering identity and authorization for agent-initiated payments.

  • Nov 2, 2026

    MOU with Tencent's TenPay Global on agentic payments[27]

    Mastercard and Tencent's cross-border payment platform TenPay Global signed a memorandum of understanding to explore agentic payments alongside greater cross-border payment interoperability.

  • Oct 29, 2026

    Q3 2026 earnings call: a broad OpenAI partnership beyond Agent Pay[27][26]

    Mastercard reported Q3 2026 net revenue of $9.8 billion (up 14%) and adjusted diluted EPS of $5.31 (up 21%), beating analyst estimates. CEO Michael Miebach told analysts Mastercard had agreed a broad strategic partnership with OpenAI covering 'collaboration across payments, joint services growth and AI transformation' that 'goes well beyond' Agent Pay, and said Agent Pay's tokenization is also used by Shopify's Shop Pay and included in the new OpenAI agreement; on adoption, he said consumer trust in registered agents and merchant discoverability both still need to develop.

  • Oct 21, 2026

    Mastercard Max launches with C6 Bank[25]

    An AI-powered benefits assistant that surfaces relevant card benefits, explains them and guides cardholders to use them in context (e.g. lounge access while traveling), embedded in the issuer's own digital channel. Launching first with C6 Bank in Brazil; SNB Group, Nedbank, I&M Bank and Attijariwafa Bank are working to offer it, and Citi is exploring it for Singapore and Hong Kong.

  • Oct 20, 2026

    Agent Pay for Machines reaches early access[24]

    Mastercard opens early access to Agent Pay for Machines, built on the x402 open payment protocol, letting autonomous AI agents discover providers and pay for digital services within a defined budget without a separate account, API key or invoice per provider; demonstrated at Cloudflare Connect with marketing agency Hype as a worked example (an agent running nine payments across two merchants under one budget).

  • Sep 30, 2026

    Agent Pay Trust Framework and new trust and intelligence services[21][22]

    Mastercard published a "Trust for agentic commerce" white paper introducing the Mastercard Agent Pay Trust Framework (five pillars: identity, intent, controls, trusted execution and intelligence) and added new trust and intelligence services to Agent Pay: a probability score estimating whether a transaction was AI-initiated, rolling out for testing in the US, plus a privacy-preserving data partnership with Cloudflare and a partnership with Skyfire to extend Know-Your-Agent verification into Agent Pay. Ann Johnson, EVP of Security Solutions, said "AI agents will make commerce more intuitive, efficient and personal — but only if people and businesses can trust the systems acting on their behalf."

  • Sep 28, 2026

    Advanced B2B Analytics for supplier payments[20]

    Mastercard launched Advanced B2B Analytics, a card-acceptance analytics platform that uses dynamic acceptance propensity scoring built on an AI-powered infrastructure to show issuers and corporate clients which suppliers are likeliest to accept card payments; Absa Group and Emirates NBD are among the first issuers to offer it. Mastercard points to an approximately $80 trillion addressable B2B payments opportunity, and Marc Pettican, global head of Corporate Solutions, said businesses "are sitting on vast amounts of payment data, but too often it remains fragmented and underutilized."

  • Jul 30, 2026

    Q2 results cite agentic payments[19]

    Mastercard reports Q2 2026 net revenue of $9.3 billion, up 14%; CEO Michael Miebach points to its 'market-first Agentic Payment capability'.

  • Jun 10, 2026

    Agent Pay for Machines launched[16]

    A service for permissioned, orchestrated and settled machine-to-machine payments, some fractions of a cent, across cards, accounts and stablecoins, with more than 30 initial participants including Adyen, Coinbase, Stripe and Cloudflare.

  • Jun 2, 2026

    All European issuers enabled for Agent Pay[15]

    Mastercard says all its issuers in Europe are enabled at network level for Agent Pay and that banks across Europe have completed controlled, live agentic transactions using passkeys.

  • Mar 17, 2026

    Large tabular foundation model disclosed[12]

    Mastercard describes a generative foundation model trained on billions of anonymized transactions with Nvidia and Databricks; early tests beat standard machine-learning techniques on rare legitimate purchases, and cybersecurity is the first target.

  • Mar 10, 2026

    Virtual C-Suite for small businesses[11]

    An extension of Agent Suite that gives small businesses AI agents acting as digital executives, starting with a Virtual CFO, drawing on insights from the 175 billion transactions Mastercard processed in 2025.

  • Mar 5, 2026

    Verifiable Intent open-sourced with Google[10]

    Mastercard introduces Verifiable Intent, co-developed with Google and aligned with Google's AP2 and UCP protocols, as an open specification and reference implementation on GitHub, providing cryptographic proof of what a user authorized an agent to buy.

  • Mar 2, 2026

    Europe's first live end-to-end agent payment with Santander[9]

    Banco Santander completes a payment executed by an AI agent through its live payments infrastructure using Mastercard Agent Pay, in a controlled environment; the companies say it does not constitute a commercial rollout.

  • Jan 29, 2026

    About 4% of staff affected by restructuring[8][18][19]

    Alongside Q4 2025 results, Mastercard says a corporate restructuring will affect about 4% of its global staff, and that it has enabled U.S.-based issuers to support agentic commerce; the $202 million pre-tax restructuring charge, intended to enable reinvestment, was taken in Q1 2026 (it appears in the Q2 release's six-month column).

  • Jan 27, 2026

    Mastercard Agent Suite announced[7]

    A set of services to build, test and deploy customizable AI agents for banks and merchants, backed by 4,000 global advisors, slated for availability in the second quarter of 2026.

  • Sep 30, 2025

    Agent Pay usable in ChatGPT Instant Checkout[6]

    With OpenAI's Agentic Commerce Protocol, Agent Pay and Agentic Tokens can be used on OpenAI's platform; Citi and U.S. Bank cardholders are enabled, with all U.S. Mastercard cardholders due by mid-November 2025.

  • Apr 29, 2025

    Mastercard Agent Pay launches[5]

    Mastercard launches its Agentic Payments Program with Agentic Tokens, registration and verification of AI agents, and a collaboration with Microsoft (Azure OpenAI Service, Copilot Studio); IBM, Braintree and Checkout.com are named partners.

  • Dec 20, 2024

    Recorded Future acquisition completes[3][17]

    Mastercard completes its purchase of Recorded Future, adding AI-driven threat intelligence to its cybersecurity, identity and fraud-scoring services; the FY2025 10-K puts the cash consideration at $2.7 billion.

  • Apr 9, 2024

    Data and AI organisation created[2]

    A company realignment creates a Data and AI organisation led by Greg Ulrich as chief AI and data officer, covering commercialisation of internal and external AI applications and enterprise-wide governance.

  • Feb 1, 2024

    Decision Intelligence Pro announced[1]

    Mastercard applies generative AI to its Decision Intelligence fraud-scoring service, which already scores 143 billion transactions a year; DI Pro scans one trillion data points and returns a score in under 50 milliseconds. Mastercard says initial modelling shows fraud detection up 20% on average.

Where does Mastercard use AI today?

Mastercard's AI systems on the status ladder from announced to in productionANNOUNCEDPILOTROLLING OUTIN PRODUCTIONMastercard Agent PayAgent Pay for MachinesMastercard Max benefits assistantDecision Intelligence ProRecorded Future and Mastercard Threat Intel…Large tabular foundation modelAgent Suite and Virtual C-SuiteInternal AI toolsEnterprise AI governanceAgentic transaction probability scoreBroad OpenAI partnership and Tencent MOUThird-party Agent Pay certification and reg…
Figure 2 · Where AI runs at Mastercard, and how far along. 3 of 12 named systems are in production; the rest are rolling out, piloted or announced. Status is as described in the cited source at its date.
SystemWhat it doesStatusUse case
Mastercard Agent Pay[5][6][15][14]Agentic Tokens and agent registration let verified AI agents pay within consumer-set limits; enabled for all European issuers and used in controlled live transactions, with B2B agentic transactions live in Asia Pacific markets.Rolling outGenerative & agentic AI
Agent Pay for Machines[16][24]Credentialing, programmatic spending limits and guaranteed multi-rail settlement for high-frequency, low-value payments between agents and services; reached early access in October 2026, built on the x402 open payment protocol.PilotGenerative & agentic AI
Mastercard Max benefits assistant[25]Conversational AI that surfaces and explains card benefits in context, embedded in an issuer's own channel; launching with C6 Bank in Brazil, with SNB Group, Nedbank, I&M Bank and Attijariwafa Bank also working to offer it.Rolling outCustomer-facing chatbots
Decision Intelligence Pro[1]Generative-AI enhancement to real-time transaction fraud scoring that assesses relationships between entities around a payment; Mastercard reports a 20% average improvement in fraud detection from initial modelling.AnnouncedFraud detection
Recorded Future and Mastercard Threat Intelligence[3][17]AI-driven threat intelligence from Recorded Future, combined with Mastercard's network visibility in a threat-intelligence service launched in 2025 to detect cyberattacks that lead to payment fraud.In productionCybersecurity
Large tabular foundation model[12]Transaction foundation model trained on billions of anonymized transactions with Nvidia and Databricks; being tested for hybrid cybersecurity and fraud systems and to reduce the thousands of separate models Mastercard maintains.PilotFraud detection
Agent Suite and Virtual C-Suite[7][11]Customizable AI agents for banks (product discovery) and merchants (conversational shopping), plus AI 'digital executives' for small businesses; announced January and March 2026.AnnouncedGenerative & agentic AI
Internal AI tools[13]Coding copilots for software developers, AI assistants for consultants to find documents, and a gen-AI tool helping customer-support teams answer onboarding and implementation questions, per Greg Ulrich.In productionAI-generated code & coding agents
Enterprise AI governance[2][13][17]A Data and AI organisation under the chief AI and data officer governs AI across the enterprise; Mastercard applies its Data and Tech Responsibility Principles and says models must be explainable, governed and continuously monitored.In productionAI governance (general)
Agentic transaction probability score[21]A new Agent Pay signal, rolling out for testing in the US, estimates the likelihood that a transaction was initiated by an AI agent so issuers can approve legitimate agent-led purchases with more confidence; built with a Cloudflare data partnership and Skyfire's Know-Your-Agent verification.PilotFraud detection
Broad OpenAI partnership and Tencent MOU[27]On the Q3 2026 earnings call CEO Michael Miebach described a broad strategic partnership with OpenAI spanning payments, joint services growth and AI transformation, beyond Agent Pay tokenization (also used by Shopify's Shop Pay); days later Mastercard signed an MOU with Tencent's TenPay Global to explore agentic payments and cross-border interoperability.AnnouncedGenerative & agentic AI
Third-party Agent Pay certification and regional adoption[28][29]Cross-border platform Sunrate launched an Agentic Card that completed Mastercard Agent Pay certification for identity and authorization of agent-initiated payments; CrediMax in Bahrain agreed to bring Mastercard's Agent Suite for Merchants to local merchants via Merchant Cloud.Rolling outGenerative & agentic AI

Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.

What has Mastercard disclosed in numbers?

MetricValueAs of
Transactions processed on the Mastercard network in 2025175 billion[11]Dec 31, 2025
Transactions a year protected by Decision Intelligence159 billion[4]Jun 23, 2025
Fraud detection improvement from DI Pro (initial modelling)20% on average; as high as 300%[1]Feb 1, 2024
Reduction in false positives (Mastercard analysis)More than 85%[1]Feb 1, 2024
Recorded Future cash consideration$2.7 billion[17]Dec 20, 2024
Share of Mastercard services powered by AIOne in three[14]May 26, 2026
Restructuring charge, Q1 2026 (about 4% of staff)$202 million pre-tax, taken in the first quarter[18][19]Mar 31, 2026
Q2 2026 net revenue$9.3 billion (+14%)[19]Jun 30, 2026
Addressable B2B payments opportunity (Mastercard estimate)approximately $80 trillion[20]Sep 28, 2026
Q3 2026 net revenue$9.8 billion (+14%); adjusted diluted EPS $5.31 (+21%)[26][27]Sep 30, 2026

“With generative AI we are transforming the speed and accuracy of our anti-fraud solutions, deflecting the efforts of criminals, and protecting banks and their customers.”[1]

Ajay Bhalla · then President, Cyber and Intelligence, Mastercard · Feb 1, 2024

“Agentic payments represent a profound shift in how commerce is initiated and executed.”[9]

Kelly Devine · President, Europe, Mastercard · Mar 2, 2026

“AI at scale is less about breakthroughs than about consistently high operational standards.”[13]

Greg Ulrich · Chief AI and Data Officer, Mastercard · Mar 30, 2026

“Machine payments can make it possible for services to be bought and sold among agents at fundamentally different scales than payments today — very high volumes, very small values, very fast and at extremely low latency.”[16]

Jorn Lambert · Chief Product Officer, Mastercard · Jun 10, 2026

“Our agreement establishes collaboration across payments, joint services growth and AI transformation.”[27]

Michael Miebach · Chief Executive Officer, Mastercard · Oct 29, 2026

Who runs AI at Mastercard?

Michael Miebach

Chief Executive Officer[2][19]

Greg Ulrich

Chief AI and Data Officer[2][13]

Jorn Lambert

Chief Product Officer[5][16]

Kaushik Gopal

Head of Insights and Intelligence[7]

Ann Johnson

Executive Vice President, Security Solutions[21][23]

Kelly Devine

President, Europe[9]

Which regulators govern Mastercard's AI?

The regulators around Mastercard's AIMastercardUK (BoE / PRA / FCA)2 documentsEU AI Act2 documentsSEC2 documents
Figure 3 · The regulatory perimeter. Each authority links to its tracker page; the number is how many of its documents this page cites. Solid lines are the company's direct supervisors; dashed lines are consumer, market and global standard-setters that reach it through its activities.
AuthorityWhy it matters hereDocuments
UK (BoE / PRA / FCA)The Bank of England designates Mastercard a recognized payment system and its Vocalink real-time payments platform a specified service provider, with supervision and examination requirements; the 2026 UK statement on frontier-AI cyber risk covers such financial market infrastructures.BoE/FCA/HMT joint statement on frontier AI and cyber resilience (May 2026)
FPC Financial Stability in Focus: AI (Apr 2025)
EU AI ActMastercard's FY2025 10-K says that as a user and deployer of AI it is subject to the EU AI Act, and that how AI in agentic commerce will be regulated remains uncertain; its fraud-scoring and agent-payment AI runs across the EU, where it is also designated a systemically important payment system.Regulation (EU) 2024/1689
EBA factsheet: AI Act implications for the EU banking and payments sector
SECMastercard is an SEC registrant (NYSE: MA) whose 10-K describes its AI products and AI regulatory risk, so the SEC's attention to AI disclosures applies to how it describes Agent Pay, Decision Intelligence and its foundation model.Investor Advisory Committee AI disclosure recommendation
Atkins remarks at Investor Advisory Committee (Sep 2026)

Linked authorities have a page in the Regulation tracker; the others are named for completeness and not yet tracked.

What does the public record suggest about Mastercard's AI strategy?

Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.

01

Mastercard is standardising proof of consent, not building a shopping agent

Agent Pay, Agentic Tokens, Verifiable Intent and Agent Pay for Machines all address who authorized an agent and within what limits. Mastercard supplies credentials and audit trails to other companies' agents — OpenAI's checkout, Microsoft's Copilot tools, banks' pilots — rather than a consumer assistant of its own.

02

Enablement is ahead of usage on the public record

Mastercard says U.S.-based issuers and all European issuers are enabled for agentic commerce, but the disclosed transactions are controlled pilots (Santander called its payment 'not a commercial rollout'), and Mastercard has not published agentic payment volumes.

03

The fraud-model figures are dated and self-reported

The headline Decision Intelligence Pro gains (20% average, up to 300%, false positives down more than 85%) come from Mastercard's own initial modelling in February 2024; newer disclosures describe the foundation model's early tests qualitatively without numbers.

04

Security intelligence is being bought in

Recorded Future ($2.7 billion) brought threat intelligence that the 10-K says also exposes Mastercard to new cybercrime-law and geopolitical risks, including the current or future listing of Recorded Future as an 'undesirable' or 'unreliable' entity by certain jurisdictions.

05

Job cuts were framed as reinvestment, not automation

Unlike Visa, which linked its July 2026 cuts partly to AI, Mastercard's January 2026 restructuring affecting about 4% of staff was framed as enabling reinvestment in long-term growth, with no AI attribution in its filings or the reported remarks.

Where does the Mastercard record go deeper?

7 topic pages under this profile, each answering one question from the same sourced record.

What is Mastercard Agent Pay?

Mastercard Agent Pay is Mastercard's program for AI agents that shop and pay for people, launched on 29 April 2025. Agents must be registered and verified, and they pay with Agentic Tokens under limits the cardholder sets, so each transaction is tied to a specific authorized agent. By June 2026 all Mastercard issuers in Europe were enabled for it, and Mastercard added Verifiable Intent and Agent Pay for Machines in 2026.

Does Mastercard work with OpenAI or Google?

Both. On 30 September 2025 Mastercard said Agent Pay and Agentic Tokens could be used through OpenAI's Instant Checkout in ChatGPT via the Agentic Commerce Protocol. In March 2026 it introduced Verifiable Intent, co-developed with Google and aligned with Google's AP2 and UCP protocols. Agent Pay also launched with a Microsoft collaboration covering Azure OpenAI Service and Copilot Studio.

How does Mastercard use AI to fight fraud?

Mastercard said in June 2025 that its Decision Intelligence helps protect customers from fraud across its 159 billion transactions a year (143 billion when Decision Intelligence Pro was announced in February 2024), and Decision Intelligence Pro adds generative AI that analyses one trillion data points; Mastercard said initial modelling showed fraud detection up 20% on average and false positives down more than 85%. It also bought Recorded Future for $2.7 billion and is testing a transaction foundation model built with Nvidia and Databricks.

Who leads AI at Mastercard?

Greg Ulrich is Mastercard's chief AI and data officer, leading a Data and AI organisation created in April 2024 that covers commercial AI applications and enterprise-wide governance. Chief product officer Jorn Lambert fronts Agent Pay and Agent Pay for Machines, and CEO Michael Miebach cited Mastercard's 'market-first Agentic Payment capability' in its Q2 2026 results.

Did Mastercard cut jobs because of AI?

Mastercard has not said so. With its Q4 2025 results in January 2026 it said a corporate restructuring would affect about 4% of its global staff, and it took a $202 million pre-tax restructuring charge in the first quarter of 2026 (reported again year-to-date in its Q2 results), whose savings are intended to enable reinvestment in long-term growth. Neither the company nor the reported remarks attributed the cuts to AI, unlike Visa's July 2026 cuts.

Who regulates Mastercard?

Mastercard is not a bank. In the EU it is designated a systemically important payment system, and in the UK the Bank of England designates it a recognized payment system and its Vocalink platform a specified service provider. Its FY2025 10-K says it is subject to the EU AI Act as a user and deployer of AI. As a listed company it reports to the SEC.

  1. Mastercard supercharges consumer protection with gen AI
    Mastercard · Feb 1, 2024
  2. Positioning Mastercard for the next era of growth
    Mastercard · Apr 9, 2024
  3. Mastercard finalizes acquisition of Recorded Future
    Mastercard · Dec 20, 2024
  4. Mastercard steps up fraud prevention efforts with launch of Account Intelligence Reissuance service in EEMEA
    Mastercard · Jun 23, 2025
  5. Mastercard unveils Agent Pay, pioneering agentic payments technology to power commerce in the age of AI
    Mastercard · Apr 29, 2025
  6. Making agentic AI commerce a reality with embedded, trusted payments
    Mastercard · Sep 30, 2025
  7. Mastercard launches Agent Suite to ready enterprises for a new era
    Mastercard · Jan 27, 2026
  8. Mastercard's CEO wades into affordability debate
    American Banker · Jan 29, 2026
  9. Santander and Mastercard complete Europe's first live end-to-end payment executed by an AI agent
    Mastercard · Mar 2, 2026
  10. When AI starts buying for you, trust becomes the product
    Mastercard · Mar 5, 2026
  11. Mastercard advances its agentic AI strategy with Virtual C-Suite, bringing executive level intelligence to small businesses
    Mastercard · Mar 10, 2026
  12. Meet Mastercard's new generative AI model
    Mastercard · Mar 17, 2026
  13. AI is easy to celebrate. It's much harder to run
    Mastercard · Mar 30, 2026
  14. Ushering in the intelligence layer
    Mastercard · May 26, 2026
  15. Europe is Building the Foundations for Trusted Agentic Commerce
    Mastercard · Jun 2, 2026
  16. Mastercard launches Agent Pay for Machines to unlock super-fast, always-on payments
    Mastercard · Jun 10, 2026
  17. Mastercard Incorporated Form 10-K for the fiscal year ended December 31, 2025
    U.S. Securities and Exchange Commission (EDGAR) · Feb 11, 2026
  18. Mastercard Incorporated First-Quarter 2026 Financial Results (Form 8-K, Exhibit 99.1)
    U.S. Securities and Exchange Commission (EDGAR) · Apr 30, 2026
  19. Mastercard Incorporated Second-Quarter 2026 Financial Results (Form 8-K, Exhibit 99.1)
    U.S. Securities and Exchange Commission (EDGAR) · Jul 30, 2026
  20. Mastercard launches AI-powered B2B analytics for supplier payments
    Mastercard · Sep 28, 2026
  21. Mastercard advances agentic commerce with new trust and intelligence services
    Mastercard · Sep 30, 2026
  22. What is agentic commerce trust? Inside Mastercard's new framework
    Mastercard · Sep 30, 2026
  23. On stablecoins, agentic payments and trust issues (Q&A with Ann Johnson)
    Mastercard · Oct 19, 2026
  24. Mastercard Debuts Tool to Help AI Agents Purchase Digital Services
    PYMNTS · Oct 20, 2026
  25. Mastercard Max makes benefits easy to discover, understand and use
    Mastercard · Oct 21, 2026
  26. Mastercard Incorporated Reports Third Quarter 2026 Financial Results (Form 8-K, Exhibit 99.1)
    U.S. Securities and Exchange Commission (EDGAR) · Oct 29, 2026
  27. Mastercard Forms OpenAI and Tencent Partnerships to Drive Agentic Commerce
    PYMNTS · Nov 2, 2026
  28. FinTechs Hand AI Agents the Company Card
    PYMNTS · Nov 5, 2026
  29. CrediMax Collaborates with Mastercard Explore Agentic Commerce Capabilities to Bahrain's Merchants
    Mastercard · Nov 4, 2026

Which banks does Mastercard work with?

BankRelationshipStatus
CitigroupMastercard Agent Pay in Citi's branded-cards businessRolling out
U.S. BancorpU.S. Bank Mastercard cardholders enabled for Agent Pay in ChatGPT Instant CheckoutAnnounced
HSBCEnd-to-end B2B agentic commerce transactions piloted with Mastercard in SingaporePilot
Banco SantanderEurope's first live agent-executed payment with Mastercard Agent Pay, in a controlled environmentPilot
ING Groep N.V.Live end-to-end agentic payment with Worldline and MastercardPilot

Only relationships stated, with a source, on this page or the bank's page.

Neobank

BNPL & lending

Payments

Card network

Brokerage

Business finance & infrastructure

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