Ecommerce without Merchant-Owned Carts
Briefly

Ecommerce without Merchant-Owned Carts
Google announced Universal Cart, a persistent, AI-powered cart that follows shoppers across Google properties by tracking products, offers, and prices and completing transactions. Universal Commerce Protocol expands checkout across markets and channels and extends beyond retail categories. Agent Payments Protocol enables Google’s payment layer to let AI agents complete purchases on a shopper’s behalf under user-defined rules and limits. Together, these components support agentic commerce where products from multiple merchants can be managed in an agent layer above or outside sellers’ own sites. Merchants still own the transaction, but purchase intent and product discovery can shift away from a direct cart-to-site relationship. This may improve conversions through reminders while changing how shoppers use carts, such as treating them like wishlists or saving items for later comparisons.
"Universal Cart is persistent and AI-powered, following shoppers across Google properties and tracking products, offers, and prices, ultimately completing transactions."
"Universal Commerce Protocol is expanding checkout across markets and channels while extending into categories beyond retail."
"Agent Payments Protocol. Google's payment layer lets AI agents complete purchases on a shopper's behalf, subject to user-defined rules and limits."
"In Google's model, merchants still own the transaction, but not the purchase intent or product discovery. To be certain, there are apparent advantages. Having Google remind shoppers about items in a cart might improve conversions. Yet it could also change how shoppers interact with merchants."
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