The rise of AI has created new ways to buy and sell goods and services. Now it's requiring a new class of payments. Mastercard envisions a future where businesses create services for AI agents to buy and use. Operating at machine speed, these agents could transact with each other continuously at high velocity, executing chains of transactions, including microtransactions. This shift could unlock a massive new wave of innovation, business models and economic activity, where any company, from solopreneurs to the largest enterprises, can become a virtual powerhouse.
Mastercard launches Agent Pay for Machines (AP4M) for programmatic, always-on payments.
More than 30 industry leaders including Adyen, Ant International, Checkout.com, Cloudflare, Coinbase, Stripe are among first to leverage and support adoption.
AP4M supports credentialing, permissioning, transacting, and settling across multiple payment types from cards to stablecoins.
Unlike traditional payments, these transactions are programmatic, always-on, and executed between systems in background.
Mastercard Agent Pay for Machines builds on Mastercard's Agent Pay program introduced in 2025.
The service supports microtransactions at machine speed with guaranteed settlement.
To enable this new form of commerce, Mastercard developed a new way to pay for these services: payments, some only fractions of a cent, to be completed quickly, programmatically and securely. Today, the company is introducing Agent Pay for Machines (AP4M), a new service that will allow these transactions to be permissioned, orchestrated and settled at machine speed across its global payments network.
"Agent Pay for Machines will create the conditions for a superbloom of AI business models," said Jorn Lambert, Mastercard's chief product officer. "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."
Unlike traditional point-of-sale or person-to-merchant payments, which are discrete and user-initiated, these transactions are programmatic, always-on and executed between systems in the background of digital commerce. Agent Pay for Machines allows Mastercard network participants to bring the trust and controls of the company's global network to machine-driven commerce, helping AI innovators enable secure, reliable payments as software begins to transact on its own.
AI agents are no longer just assisting decisions. They are able to act on human intent, coordinate services and complete transactions that are bespoke for their users. An entrepreneur opening a flower shop could instruct an AI agent to build and launch the store's web presence — buying a domain name, a hosting service, images and checkout pages within a defined budget — turning one human-initiated request into a chain of transactions executed automatically across providers.
Or a logistics agent managing a delivery route could pay for freight, reserve loading-bay access, purchase temporary cold-chain monitoring data and settle warehouse handling fees automatically as a shipment moves from origin to destination.
Payments don't just increase. They change form. They become continuous, embedded, permissioned and executed at machine speed. And that creates a new requirement: infrastructure that can keep up.
In this new environment, businesses need peace of mind they will get paid. Agents need transactions to move instantly, with every transaction completed securely and as expected. Mastercard Agent Pay for Machines is designed to meet these needs.
Mastercard Agent Pay for Machines establishes a trusted system for machine-driven transactions through a set of foundational capabilities:
Credentialing: Every agent is credentialed, and with Verifiable Intent, can be recognized and transact with trust across ecosystems.
Permissioning: Organizations can set authorization rules and spending limits that are programmatically enforced, ensuring transactions stay within defined parameters.
Transacting: Verified participants can connect and transact across providers and systems, enabling continuous, high-frequency automated commerce.
Settling: Supports reliable, guaranteed multi-rail settlement across cards, accounts and stablecoins.
Transactions move predictably, improving transparency and consistency.
Mastercard is collaborating with a broad set of partners to validate priority use cases, establish common rules and accelerate adoption across industries. Initial participants and supporters include: Aave Labs, Adyen, Alchemy, Anchorage Digital, Ant International, Basis Theory, BVNK, Catena, Checkout.com, Cloudflare, Coinbase, Coinflow, Crossmint, Getnet by Santander, Global Payments, Lovable Labs Incorporated, Mastercard Merchant Cloud, MoonPay, Nevermined, OKX, PayOS, Polygon, Rain, RippleX, Sapiom, Skyfire, Solana Foundation, Stripe, t54 Labs, Tempo, Turnkey and Utila.
This reflects Mastercard's commitment to building an open, interoperable framework that works across technologies, providers and payment types.
Mastercard Agent Pay for Machines expands Mastercard's efforts to enable trusted digital interactions, from identity and authentication to trusted data exchange, so businesses can adopt new technologies without compromising the security, reliability and reach they expect from Mastercard's global network. Together with Agent Pay and Verifiable Intent, Mastercard Agent Pay for Machines reflects Mastercard's continued investment in building trusted, open infrastructure for autonomous, agent-driven and machine-driven payments.
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