Awesome-agentic-payments – A curated list of tools for agentic payments/commerce

Bitrefill maintains Awesome-agentic-payments, a curated list of protocols, specs, SDKs, and tools for agentic commerce, the emerging stack that lets AI agents discover, buy, and manage orders autonomously. The list catalogs OpenAI and Stripe's Agentic Commerce Protocol (ACP), which powers ChatGPT Instant Checkout and supports 1M+ merchants via Shopify and Etsy, alongside Google's AP2 payment protocol backed by 60+ organizations including Adyen, Mastercard, PayPal, Visa, and Coinbase, Google's Universal Commerce Protocol (UCP) supported by Shopify, Target, Walmart, Etsy, and Wayfair, the Tempo and Stripe co-authored Machine Payments Protocol (MPP), and Coinbase's x402 HTTP 402 stablecoin rail governed by the x402 Foundation co-founded with Cloudflare.

A curated list of protocols, specs, SDKs, and tools powering the emerging agentic commerce stack: AI agents that discover, buy, and manage orders autonomously. Maintained by Bitrefill https://www.bitrefill.com . Contributions welcome. AI agents are moving from "answer questions" to "get things done," including browsing products, comparing prices, paying, and managing orders on behalf of users. This requires new protocols for agent-to-agent communication, commerce standards that machines can parse, and payment rails that work without accounts, sessions, or human intervention. How agents interact with merchants: product discovery, cart building, checkout, and order management. Open standard by OpenAI and Stripe. Powers ChatGPT Instant Checkout; supports 1M+ merchants via Shopify and Etsy. Payment-infrastructure agnostic. - ACP Documentation https://developers.openai.com/commerce/ - Primary docs on OpenAI's developer platform. - ACP GitHub Repository https://github.com/agentic-commerce-protocol/agentic-commerce-protocol - Specification and implementation Apache 2.0 . - Stripe ACP Integration https://docs.stripe.com/agentic-commerce/protocol - Stripe's integration guide. - Stripe Blog: Developing an Open Standard https://stripe.com/blog/developing-an-open-standard-for-agentic-commerce - Technical overview and rationale. Google's open protocol for payment-agnostic agent-led transactions. Uses Verifiable Digital Credentials VDCs and a three-mandate model Intent, Cart, Payment . Backed by 60+ organizations including Adyen, Mastercard, PayPal, Visa, and Coinbase. - AP2 Official Site https://ap2-protocol.org/ - Primary documentation. - AP2 Specification https://ap2-protocol.org/specification/ - V0.1 technical spec. - AP2 GitHub Repository https://github.com/google-agentic-commerce/AP2 - Reference implementation and code samples. - Google Cloud AP2 Announcement https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol - Official announcement. Google's open-source standard for the merchant side of agentic commerce AP2 handles payments . Standardizes product discovery, checkout, identity linking, and order management. Supported by Shopify, Target, Walmart, Etsy, Wayfair, and 20+ partners. Transport-agnostic REST, MCP, or A2A . - UCP Official Site https://ucp.dev/ - Primary documentation portal. - UCP GitHub Repository https://github.com/Universal-Commerce-Protocol/ucp - Specification and documentation. - UCP Code Samples https://github.com/Universal-Commerce-Protocol/samples - Reference implementations. - UCP Google Developers Guide https://developers.google.com/merchant/ucp - Google's official UCP docs. An open standard for machine payments, co-authored by Tempo and Stripe. MPP is designed to be extensible and agnostic to any payment method. It already supports payments over Tempo TP-20 Tokens , Stripe API, Visa Network Tokens and Lightning Network. - MPP Official Site https://mpp.dev/ - Primary documentation portal. - MPP Specification GitHub Repository https://github.com/tempoxyz/mpp-specs - Specifications for the Machine Payments Protocol. - MPP-enabled Services Directory https://mpp.dev/services - Proxy endpoints supporting MPP-over-Tempo payment for various data services. Commerce protocols define what to buy; payment rails define how to pay. These enable programmatic, machine-to-machine payments without human intervention. Uses HTTP 402 "Payment Required" for instant stablecoin payments over HTTP. Built by Coinbase, governed by the x402 Foundation co-founded with Cloudflare . No API keys, accounts, or subscriptions needed. Serves as the crypto rail within Google's AP2 protocol. - x402 Official Site https://www.x402.org/ - Documentation and ecosystem overview. - x402 GitHub Repository https://github.com/coinbase/x402 - Protocol spec, SDKs, and examples. - x402 Specification https://github.com/coinbase/x402/tree/main/specs - Full technical specification. - x402 Coinbase Documentation https://docs.cdp.coinbase.com/x402/welcome - Developer docs and quickstart. - x402 on Solana https://solana.com/developers/guides/getstarted/intro-to-x402 - Solana integration guide. - x402 Foundation https://github.com/x402-foundation/x402 - Neutral governance of the standard under the Linux Foundation, with 22 supporting organizations. Foundation page https://linuxfoundation.org/x402foundation/ . Lightning Labs' protocol combining Macaroons cryptographic bearer credentials with Lightning Network micropayments for stateless API authentication. Pay-per-request APIs with no accounts and instant settlement. The Bitcoin-native counterpart to x402. Note: "LN402" is not a separate protocol; references to LN402 point back to L402. - L402 Builder's Guide https://docs.lightning.engineering/the-lightning-network/l402 - Full documentation. - L402 Protocol Specification https://docs.lightning.engineering/the-lightning-network/l402/protocol-specification - Full technical spec. - L402 GitHub Repository https://github.com/lightninglabs/L402 - Protocol specification source. - Aperture https://github.com/lightninglabs/aperture - Production L402 reverse proxy for REST and gRPC APIs. - L402 standardization bLIP-0026 https://github.com/lightning/blips/pull/26 - Proposed Lightning spec for the HTTP-402 flow, underpinned by BOLT 11 invoices and LNURL-auth. Practical toolkit for AI agents to make L402 payments. MCP server, CLI, and Python SDK for purchasing API access, digital content, and services via L402 paywalls. - Fewsats MCP Server https://github.com/fewsats/fewsats-mcp - MCP server for AI agent payments. - Fewsats Python SDK https://github.com/Fewsats/L402-python - L402 payments for AI agents. Card networks and payment processors building agent-specific primitives: tokenized credentials, sessionless merchant auth, and scoped payment tokens. Infrastructure backbone for most agentic commerce protocols ACP, AP2, UCP . Key innovation: Shared Payment Tokens SPTs -- single-use, scoped credentials compatible with Visa and Mastercard agent protocols. - Stripe Agentic Commerce Docs https://docs.stripe.com/agentic-commerce - Primary documentation hub. - Shared Payment Tokens SPTs https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens - Scoped, single-use payment credentials for agents. - MPP Machine-to-Machine Payments https://docs.stripe.com/payments/machine/mpp - Private preview documentation page. Trusted Agent Protocol TAP : open framework using HTTP Message Signatures RFC 9421 for agent authentication on the Visa network. Part of the broader Intelligent Commerce program 30+ partners in sandbox, early 2026 . - Visa Intelligent Commerce https://developer.visa.com/capabilities/visa-intelligent-commerce - Developer program opening Visa rails to AI agents. - Trusted Agent Protocol TAP https://developer.visa.com/capabilities/trusted-agent-protocol - Authentication framework for agent-to-network communication. - TAP GitHub Repository https://github.com/visa/trusted-agent-protocol - Reference implementation and spec. Agent Pay introduces Agentic Tokens : scoped, time-limited cryptographic credentials for AI agent transactions. Official MCP server available for Mastercard APIs. - Mastercard Agent Pay https://developer.mastercard.com/mastercard-checkout-solutions/documentation/use-cases/agent-pay/ - Developer documentation. Agent Ready uses the Agentic Commerce Protocol ACP so existing PayPal/Braintree merchants can accept payments through AI assistants e.g. ChatGPT with minimal integration; PayPal handles security and cross-platform compatibility. - PayPal Agentic Commerce Overview https://docs.paypal.ai/growth/agentic-commerce/overview - Official documentation. - Agent Ready https://docs.paypal.ai/growth/agentic-commerce/agent-ready - ACP-based agent payments for existing merchants. - Store Sync https://docs.paypal.ai/growth/agentic-commerce/store-sync/create-a-product-catalog - Product catalog and cart integration for AI discovery and checkout. - PayPal Agent Toolkit https://github.com/paypal/agent-toolkit - Integrate with PayPal APIs via function calling OpenAI Agent SDK, LangChain, Vercel AI SDK, MCP . Invoices, orders, catalog, subscriptions, disputes, shipment tracking. npm https://www.npmjs.com/package/@paypal/agent-toolkit Agents SDK natively supports x402 for stablecoin payments, with plans to integrate Visa and Mastercard agent protocols directly into the SDK. - Cloudflare Agents SDK https://developers.cloudflare.com/agents/ - Full SDK documentation. - Cloudflare x402 Integration https://developers.cloudflare.com/agents/x402/ - x402 in the Agents SDK. - Cloudflare Secure Agentic Commerce https://blog.cloudflare.com/secure-agentic-commerce/ - Visa and Mastercard protocol support announcement. The rails above are products. This section tracks the layer underneath them, narrowed to proposals and standards that explicitly target AI agents and date from 2024 or later. Ethereum ERCs cover agent permissions and on-chain agent identity; Solana ships agent SDKs, a CLI, and an agent registry; and cross-chain standards bodies define how agents authenticate and prove identity across networks. Each entry is tagged Live shipped or activated , Draft in progress , or Forming group still organizing . The agent-specific ERCs fall into two groups: session-key and permission standards that bound what an agent may spend, and the 8004/8126/8196 family that standardizes on-chain agent identity, verification, and policy-bound wallets. - ERC-7710 + ERC-7715: Permissions and Session Keys https://github.com/ethereum/ERCs/blob/master/ERCS/erc-7710.md - Draft. Spending-policy and session-key ERCs; ERC-7710 explicitly targets bounded permissions for AI agents. See also ERC-7715 https://github.com/ethereum/ERCs/blob/master/ERCS/erc-7715.md . - ERC-8004: Trustless Agents https://github.com/ethereum/ERCs/blob/master/ERCS/erc-8004.md - Draft. On-chain registration of AI agent identity and reputation; interoperates with Solana's Agent Registry. Hub: 8004.org https://8004.org . - ERC-8126: AI Agent Verification https://github.com/ethereum/ERCs/blob/master/ERCS/erc-8126.md - Draft. A risk-scoring and verification layer for registered agents. - ERC-8196: AI Agent Authenticated Wallet https://github.com/ethereum/ERCs/blob/master/ERCS/erc-8196.md - Draft. Policy-bound transaction execution and verifiable credential delegation for autonomous agents; builds on ERC-8004 and ERC-8126. Discussion: Fellowship of Ethereum Magicians https://ethereum-magicians.org/t/erc-8196-ai-agent-authenticated-wallet/27987 . Solana's agent tooling is already in production. The Foundation's MPP/x402 SDK and pay CLI resolve HTTP-402 payment challenges for agents, an on-chain Agent Registry handles verifiable agent identity, and a maintained skills set covers payments and commerce. - Solana Foundation MPP SDK https://github.com/solana-foundation/mpp-sdk - Live. The Solana Foundation's multi-language SDK implementing MPP mpp-machine-payments-protocol plus x402 and AP2 , including a Solana charge-intent payment method draft-solana-charge-00 https://paymentauth.org/draft-solana-charge-00 . - Solana pay CLI and Skills https://github.com/solana-foundation/pay - Live. An agent CLI that auto-resolves x402 and MPP 402 challenges for Claude and Codex sessions, with a paid-API skills catalog https://github.com/solana-foundation/pay-skills . - Solana Agent Registry https://solana.com/agent-registry - Live. An on-chain protocol for verifiable agent identity, portable reputation, and validation attestations; interoperable with ERC-8004. - Solana Agent Skills https://solana.com/SKILL.md - Live. Foundation-maintained SKILL.md skills for agents building on Solana, including a Payments and Commerce skill. Rail-agnostic standards bodies define how agents authenticate and prove identity across networks. The IETF Web Bot Auth Working Group built on HTTP Message Signatures is the primary venue for authenticating agents on the web, with Visa TAP and Mastercard Agent Pay aligning to it; FIDO, W3C, and OpenID are standardizing agent identity and credentials. - IETF Web Bot Auth Working Group https://datatracker.ietf.org/wg/webbotauth/ - Draft. The standards body for authenticating bots and agents on the web, built on HTTP Message Signatures; Visa TAP and Mastercard Agent Pay align here. - FIDO Alliance: Agentic AI https://fidoalliance.org/fido-alliance-agentic-ai/ - Forming. Agentic Authentication and Payments Technical Working Groups chaired by Mastercard and Visa ; Google AP2 v0.2 was donated here for standardization. - W3C Agent Identity Registry Protocol CG https://github.com/AgentIdentityRegistry/agent-identity-registry - Forming 2026 . Open specs for verifiable agent identity: a DID method, Verifiable-Credential agent credentials, and trust negotiation. Spec https://github.com/AgentIdentityRegistry/agent-identity-registry/blob/main/docs/SPECIFICATION.md . - IETF draft: OpenID Agent Identity Claims https://datatracker.ietf.org/doc/draft-sharif-openid-agent-identity/ - Draft. OpenID Connect claims for autonomous agents agent id, owner, capabilities, spend limit . Commerce platforms, merchant programs, and tooling that connect agents to real-world buying experiences. These sit above the payment rails; they decide what gets bought and where , while rails handle the how . The first frontier-model company to build a full merchant commerce program. ChatGPT Instant Checkout built on ACP enables in-chat purchases without leaving the conversation. Operator / agent mode lets ChatGPT browse and transact autonomously on users' behalf. A growing roster of merchant apps Target, Instacart, DoorDash replaces the earlier direct-listing approach, giving retailers control over catalog, inventory, and fulfillment while remaining discoverable inside ChatGPT. - ChatGPT Merchant Program https://chatgpt.com/merchants/ - Apply for Instant Checkout access and build a ChatGPT merchant app. - ACP Get Started https://developers.openai.com/commerce/guides/get-started/ - Step-by-step integration guide for merchants. Storefront MCP Server exposes product catalogs, inventory, and checkout to AI agents. Co-developed UCP with Google. 1M+ merchants accessible via ACP; raised merchant concerns that drove OpenAI's pivot from direct listings to merchant-owned ChatGPT apps. - Shopify Agent Commerce https://shopify.dev/docs/agents - Developer documentation hub. - Shopify Storefront MCP Server https://shopify.dev/docs/agents/catalog/storefront-mcp - MCP server for product discovery and checkout. - Shop Chat Agent https://github.com/Shopify/shop-chat-agent - Reference app for conversational commerce. Bitrefill maintains this list and provides agentic commerce tooling: an eCommerce MCP server, agent skills, and a CLI for gift cards, mobile top-ups, and eSIMs. Connect AI assistants ChatGPT, Claude, Cursor to search, buy, and manage Bitrefill products with crypto or account balance. - eCommerce MCP Server https://docs.bitrefill.com/docs/ecommerce-mcp - MCP server documentation. - Bitrefill Agents https://github.com/bitrefill/agents - Agent skills for shopping on Bitrefill bitrefill-website, bitrefill-cli . - Bitrefill CLI https://github.com/bitrefill/cli - Command-line client. Browse, buy, and manage gift cards, top-ups, and eSIMs. - MCP, A2A, ACP, ANP Survey Paper https://arxiv.org/html/2505.02279v1 - Academic comparison of all major agent protocols. ┌─────────────────────────────────────────────────────────────────┐ │ USER / AI AGENT │ │ Claude Code · OpenAI Agents · Google ADK · Copilot CLI │ └──────────────────────────┬──────────────────────────────────────┘ │ Skills, Plugins, Function Calling │ ┌──────────────────────────▼──────────────────────────────────────┐ │ CONTEXT & TOOLS MCP │ │ MCP Servers · MCP Registry · MCP Apps UI │ └──────────────────────────┬──────────────────────────────────────┘ │ ┌──────────────────────────▼──────────────────────────────────────┐ │ AGENT COMMUNICATION │ │ A2A Agent2Agent · ANP Agent Network Protocol │ └──────────────────────────┬──────────────────────────────────────┘ │ ┌──────────────────────────▼──────────────────────────────────────┐ │ COMMERCE PROTOCOLS │ │ ACP OpenAI+Stripe · AP2 Google · UCP Google+Shopify │ └──────────────────────────┬──────────────────────────────────────┘ │ ┌──────────────────────────▼──────────────────────────────────────┐ │ PAYMENT RAILS │ │ │ │ Crypto Fiat │ │ x402 stablecoins Stripe SPTs + Agent Toolkit │ │ L402 Lightning/Bitcoin Visa TAP + Intelligent Com. │ │ Fewsats L402 toolkit Mastercard Agent Pay + Tokens │ │ PayPal · Adyen · Square │ │ │ │ Infrastructure: Cloudflare x402 + Visa/MC in Agents SDK │ └──────────────────────────┬──────────────────────────────────────┘ │ ┌──────────────────────────▼──────────────────────────────────────┐ │ PROTOCOL PROPOSALS & STANDARDS │ │ Ethereum: ERC-7710 · ERC-8004/8126/8196 │ │ Solana: MPP SDK · pay CLI · Agent Registry · Skills │ │ Bodies: IETF Web Bot Auth · FIDO · W3C · OpenID │ └──────────────────────────┬──────────────────────────────────────┘ │ ┌──────────────────────────▼──────────────────────────────────────┐ │ ECOSYSTEM │ │ OpenAI ChatGPT Instant Checkout · Operator · Merchant Apps │ │ Shopify Storefront MCP · UCP · 1M+ merchants │ │ Bitrefill eCommerce MCP · Agent Skills · CLI │ └─────────────────────────────────────────────────────────────────┘ Contributions welcome Please read the contributing guidelines /bitrefill/awesome-agentic-payments/blob/main/CONTRIBUTING.md first. Only official sources specs, docs, SDKs, and official blog posts from the maintaining organizations are accepted.