01How Does Agentic Commerce Work? One AI Agent, One Purchase, Six Steps
How does agentic commerce work? Follow one AI agent buying running shoes through six steps, from discovery to settlement, and see which protocols handle each.
Author
Solution Architect, Abstraxn
Parth Chaudhary is a Solution Architect at Abstraxn. He works at the intersection of account abstraction and agentic AI infrastructure, on wallets, paymasters, agent identity, and the policy guardrails that keep autonomous agents inside their limits. Find out more at abstraxn.com or spin up an agent at dashboard.abstraxn.com.
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01How does agentic commerce work? Follow one AI agent buying running shoes through six steps, from discovery to settlement, and see which protocols handle each.
02Agentic commerce protocols compared by layer: what ACP, UCP, AP2, TAP, Visa Intelligent Commerce, AP4M, MPP and PAP each do, and which to support first.
03Know Your Agent (KYA) verifies which AI agent is acting and for whom. Here are the authorization, risk, compliance and audit controls it still needs on top.
04AI agents can already run the supplier payment run. What finance teams lack is authority: what the agent may pay, who signs above the line, and proof an auditor accepts.
05The 12 questions enterprise buyers now ask in an AI agent security review, what each one is testing, and what a passing answer sounds like. Eight you can answer. Four you have to have.
06Know Your Intent (KYI) verifies what an AI agent is about to do, not just who it is. Why KYA repeats KYC, and why agents still have no equivalent of KYT.
07India already has a law that says an agent's purchase is the user's act. What it does not have is a way to prove what the user authorised. Every mandate scheme so far is operated by a party with an interest in the outcome. That is the gap.
08How AI agents prove identity in agentic payments. Visa, Mastercard, Nuvei, AP2 and ERC-8004 compared, and why a portable identity layer beats siloed registries.
09Agentic commerce went live across Visa, Adyen, Stripe and Microsoft in a single week. The models were never the hard part. The agentic commerce infrastructure underneath is. Here is what the rails actually need.