Mastercard has introduced Agentic Pay, a new payments program designed to integrate with generative AI, enabling smarter, more secure transactions across consumer and business use cases. Collaborating with Microsoft and other tech leaders, Mastercard aims to shape the next era of agentic commerce.
30 APRIL 2025 – Mastercard has announced the official launch of its Agentic Payments Program, Mastercard Agent Pay, a transformative solution that integrates with generative AI to enable smarter, safer, and more personalized commerce across platforms. This initiative marks a significant milestone in Mastercard’s mission to redefine payments in the AI era.
Agentic Pay introduces Mastercard Agentic Tokens, building upon the company’s proven tokenization infrastructure that powers global solutions such as mobile contactless payments, secure card-on-file transactions, and Mastercard Payment Passkeys. These tokens are purpose-built for a future where trusted AI agents will act on behalf of consumers and businesses, transacting with security, control, and transparency.
As part of this effort, Mastercard is collaborating with Microsoft to co-develop use cases that integrate trusted payment capabilities with Microsoft’s leading AI tools, including Azure OpenAI Service and Copilot Studio. Additional collaborations with global technology leaders such as IBM (via watsonx Orchestrate) and leading acquirers like Braintree and Checkout.com will further accelerate the adoption of agentic commerce across consumer and B2B verticals.
Jorn Lambert, Chief Product Officer at Mastercard, stated:
“Mastercard is transforming the way the world pays by anticipating what’s next. The launch of Agent Pay is our first step in bringing secure, intelligent commerce to life in the age of AI. We’re laying the foundation for industry-wide standards and trust in agentic payments.”
How Agentic Pay Works
Mastercard Agent Pay seamlessly integrates payments into generative AI platforms, enabling AI agents to make purchases on users’ behalf—within pre-approved parameters. For example, an AI assistant could select and buy an outfit tailored to a user’s style and event details or help a small business manage international orders and cross-border payments.
With enhanced tokenization, biometrics-based authentication, and real-time visibility, Mastercard ensures that every player in the value chain—consumers, merchants, issuers, and AI agents—can transact with confidence. Every transaction will be clearly identified, authenticated, and traceable, protecting against fraud and ensuring dispute support when needed.
Industry-Ready, Consumer-First
The Agentic Pay program emphasizes user control, requiring consumers to authorize and define what their agents can do. Mastercard’s cybersecurity and AI compliance framework ensures end-to-end protection, with strong mechanisms to distinguish trusted agents from bad actors.
In addition to Microsoft, Mastercard will continue working with AI platforms and technology enablers to deliver scalable solutions. Through this, the company aims to support an open, secure, and inclusive agentic commerce ecosystem that benefits consumers and enterprises alike.
Looking Ahead
Mastercard reaffirms its commitment to responsible innovation. Agent Pay is designed not just for today’s AI experiences, but for a future where autonomous commerce becomes a key pillar of the global digital economy.
