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description=The Agent Payments Protocol (AP2) is a solution for enabling gen AI agents to make payments on behalf of users, safely, securely, and in a decentralized and privacy protecting manner. This protocol is a part of the broader ecosystem, which includes agentic protocols like A2A and MCP, and encompasses the global nature of payments. ;
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ap2 agent payments protocol documentation skip to content ap2 agent payments protocol documentation home initializing search ap2 ap2 agent payments protocol documentation ap2 home home table of contents what is ap2 why an agent payments protocol is needed core principles and goals key concept verifiable digital credentials vdcs see it in action get started and build with us executive summary specification specification agent payments protocol agent authorization framework flows checkout mandate payment mandate security and privacy considerations implementation considerations glossary faq samples samples human present cards human present x402 human not present cards human not present x402 digital payment credentials android table of contents what is ap2 why an agent payments protocol is needed core principles and goals key concept verifiable digital credentials vdcs see it in action get started and build with us agent payments protocol ap2 what is ap2 agent payments protocol ap2 is an open protocol for the emerging agent economy it s designed to enable secure reliable and interoperable agent commerce for developers merchants and the payments industry the protocol is available as an extension for the open source agent2agent a2a protocol and universal commerce protocol with more integrations in progress build agents with adk or any framework equip with mcp or any tool collaborate via a2a and use ap2 to secure payments with gen ai agents video intro in 7 min read the docs ap2 v0 2 release and fido alliance donation fido alliance to develop standards for trusted ai agent interactions agent payments protocol announcement 9 16 2025 explore the detailed technical definition of the ap2 protocol agent payments protocol specification ap2 and ucp integration guide why an agent payments protocol is needed today s payment systems assume a human is directly clicking buy on a trusted website when an autonomous agent initiates a payment this core assumption is broken leading to critical questions that current systems cannot answer authorization how can we verify that a user gave an agent specific authority for a particular purchase authenticity how can a merchant be sure an agent s request accurately reflects the user s true intent without errors or ai hallucinations accountability if a fraudulent or incorrect transaction occurs who is accountable the user the agent s developer the merchant the issuer the psp or the orchestration layer this ambiguity creates a crisis of trust that could significantly limit adoption without a common protocol we risk a fragmented ecosystem of proprietary payment solutions which would be confusing for users expensive for merchants and difficult for financial institutions to manage ap2 aims to create a common language for any compliant agent to transact securely with any compliant merchant globally core principles and goals the agent payments protocol is built on fundamental principles designed to create a secure and fair ecosystem openness and interoperability as a non proprietary open extension for a2a and mcp ap2 fosters a competitive environment for innovation broad merchant reach and user choice user control and privacy the user must always be in control the protocol is designed with privacy at its core using a role based architecture to protect sensitive payment details and personal information verifiable intent not inferred action trust in payments is anchored to deterministic non repudiable proof of intent from the user directly addressing the risk of agent error or hallucination clear transaction accountability ap2 provides a non repudiable cryptographic audit trail for every transaction aiding in dispute resolution and building confidence for all participants global and future proof designed as a global foundation the initial version supports common pull payment methods like credit and debit cards the roadmap includes e wallets push payments such as real time bank transfers e g upi and pix and digital currencies recognizing that many countries do not have real time banking systems key concept verifiable digital credentials vdcs the agent payments protocol engineers trust into the system using verifiable digital credentials vdcs vdcs are tamper evident cryptographically signed digital objects that serve as the building blocks of a transaction there are two primary types of mandates each existing in two stages checkout mandate captures the reference to the specific items and purchase details negotiated between the agent and the merchant and is shared with the merchant open captures the user s constraints and goals for the transaction before a specific cart is finalized for autonomous execution closed captures the user s or agent s authorization for a specific finalized checkout payment mandate authorizes a payment against a specific payment instrument and is shared with the credential provider networks and the merchant payment processor open captures the user s constraints on payment e g budget allowed instruments for autonomous execution closed captures the authorization for a specific transaction amount bound to a finalized checkout these vdcs operate within a defined role based architecture and are chained together to provide a complete verifiable audit trail for both human present and human not present transactions see more in the sample flows see it in action human not present cards a sample demonstrating an autonomous transaction where the agent acts without human presence using traditional card payments go to sample human not present x402 a sample demonstrating an autonomous transaction where the agent acts without human presence using the x402 protocol for payments go to sample digital payment credentials android a sample demonstrating the use of digital payment credentials on an android device go to sample human present cards a sample demonstrating a human present transaction using traditional card payments go to sample get started and build with us the agent payments protocol provides a mechanism for secure payments and it s part of a larger picture to unlock the full potential of agent enabled commerce we actively seek your feedback and contributions to help build the future of commerce our public github repo hosts the lastest version of ap2 specification documentation and sdk standardization of the specification will continue within the agentic authentication technical and payments technical working groups in fido you can get started today by downloading and running our code samples experimenting with the protocol and its different agent roles contributing your feedback and code to the public repository visit the github repository back to top next executive summary copyright 2025 google licensed under the apache license version 2 0 made with material for mkdocs