Last updated March 24, 2026
Mastercard Agent Pay
ApiAI agent purchase authorization framework enabling secure, user-consented autonomous transactions across the Mastercard network
Best for: Financial institutions and platforms that need a trusted, globally accepted framework for AI agents to make purchases with user consent
Target Audience
Banks, fintech platforms, AI agent developers
Overview
Mastercard Agent Pay is a framework launched in 2025 that enables AI agents to make authorized purchases on behalf of users across the entire Mastercard network. The system ensures that every agent-initiated transaction has explicit user consent, with configurable spending limits, merchant category restrictions, and real-time notifications. Mastercard Agent Pay is built on the principle of "human-in-the-loop" — users set the rules, and AI agents operate within those boundaries. The framework includes agent registration, consent management APIs, transaction authorization protocols, and dispute resolution mechanisms specifically designed for agent-mediated purchases. As Mastercard processes billions of transactions annually across 200+ countries, Agent Pay brings instant global reach to any AI agent that integrates with it.
Key Features
Integrations
Specifications
Pros
- Global acceptance (200+ countries)
- Trusted brand for payments
- Human-in-the-loop design
- Strong dispute resolution
Cons
- Standard transaction fees apply
- Requires Mastercard partnership
- Framework still maturing
- Limited to Mastercard network
Quick Facts
- Pricing
- Per transaction
- Starting Price
- Standard Mastercard rates
- Category
- Agent Payment Infrastructure
- Founded
- 1966
- HQ
- Purchase, New York, USA
- Company Size
- 10000+
Compare Mastercard Agent Pay
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