How agentic commerce is making execution, intent, and credit actionable inside payments - Tearsheet

"Agentic commerce is minimizing the distance between execution, intent, and credit within payments. Functions that once operated in separate layers of the stack are becoming more connected and responsive to one another."

"Stripe is addressing the execution layer of this shift, enabling AI systems to complete transactions once a decision is made. Its product direction is aimed at making AI systems economically native."

"The Agentic Commerce Protocol (ACP), developed with OpenAI, is an attempt to define a shared language between merchants and AI agents so transactions can happen without bespoke integrations for every system."

Agentic commerce is transforming payment systems by minimizing the distance between execution, intent, and credit. Functions that were previously separate are becoming interconnected. Authorization must interpret transactions, credit needs adjustment per transaction, and infrastructure must carry contextual information. Companies like Stripe are leading this shift by enabling AI systems to complete transactions and developing the Agentic Commerce Protocol to standardize interactions between merchants and AI agents, facilitating smoother commerce flows.

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