OnePay will be a credential provider in AP2 and will help define how payment methods are stored, selected and used by artificial intelligence (AI) agents, the company said in a Thursday (Dec. 18) press release.
The company will contribute to the development of clear user authorization, safe credential reuse, smarter financing options and support for multi-instrument wallets, ensuring AI agents can pick the right payment method each time, according to the release.
“As AI begins handling more of the everyday work in commerce, consumers deserve a payments infrastructure that is fast, trustworthy and aligned with their intent,” OnePay Chief Technology Officer Moe Matar said in the release. “AP2 is a major step toward that future, and OnePay is excited to help shape what comes next.”
Google introduced AP2 in September, saying the protocol was developed in tandem with payments and tech firms and designed to “securely initiate and transact agent-led payments across platforms.”
“AI agents are capable of transacting on behalf of users, which creates a need to establish a common foundation to securely authenticate, validate and convey an agent’s authority to transact,” Google said at the time in a blog post. “While today’s payment systems generally assume a human is directly clicking ‘buy’ on a trusted surface, the rise of autonomous agents and their ability to initiate a payment breaks this fundamental assumption and raises critical questions that AP2 helps to address.”
PYMNTS reported at the time that Google is not alone in preparing for AI commerce, as Mastercard, Visa, PayPal, Perplexity and others are working on solutions in this area.
When Klarna announced in October that it was expanding its partnership with Google to support AP2, it said the collaboration reflects both companies’ efforts to align around intelligent commerce and automation.
“Agent-led commerce represents an exciting new frontier, one that demands transparency, trust and smarter payment experiences,” Klarna Chief Commercial Officer David Sykes said at the time in a press release. “We’re doubling down on our long-standing relationship with Google to support their work with AP2 and help define an open, responsible payments architecture for the future of shopping.”
