#London #United Kingdom #OpenAI #Checkout.com #Agentic Commerce

Checkout.com and OpenAI's Agentic Commerce Protocol

In a significant move to transform the digital payment landscape, Checkout.com, a London-based leader in digital payments, announced its adoption of OpenAI's Agentic Commerce Protocol (ACP) on November 26, 2025. This protocol is designed to enable collaboration between AI agents, people, and enterprises to complete purchase transactions seamlessly. By embracing ACP, Checkout.com is committed to advancing 'agent commerce' for enterprise-level businesses.

The Future of Purchases with AI

The Agentic Commerce Protocol empowers AI agents, specifically through platforms like ChatGPT, to enable consumers to make purchases on their behalf. This innovation paves the way for a new era of buying experiences. According to Checkout.com's research, agent commerce may account for nearly 20% of household spending within the next five years, highlighting its potential impact on consumer behavior.

Instant Checkout with ChatGPT

With the integration of ACP, Checkout.com plans to streamline secure payments across AI platforms, particularly showcasing OpenAI's Instant Checkout. Consumers can engage with AI agents on ChatGPT to explore products and complete payments directly within the same interface. This approach allows businesses to provide a consistent brand experience across various touchpoints, even outside of their websites or apps, greatly expanding their market reach.

Ensuring Trust and Security

As the agent commerce domain expands, so do concerns regarding transaction security and accountability. Checkout.com is keenly aware that ensuring a reliable agent experience is paramount. To facilitate this, they are implementing a combination of tools designed to bolster trust in AI-driven transactions:

• - Verified Onboarding: Ensuring only legitimate businesses can participate in transactions.
• - Identity Management: Preventing impersonation or account takeover risks.
• - Fraud Prevention Features: Monitoring and blocking illicit transactions that exploit AI agents.

Partnering for Global Standards

Checkout.com acknowledges that expanding agent commerce securely requires collaboration within the entire ecosystem, not just payment processors. To this end, they are collaborating with industry giants like Visa, Mastercard, and Google to develop global standards for secure and tokenized intelligent payments. These efforts are aimed at ensuring that AI agents act according to clear rules and operate within established boundaries, maintaining transparency throughout the transaction process.

Several leading enterprise companies are already working on connecting to this new standard, setting up the infrastructure necessary to deliver real-world agent commerce experiences.

Future Spending Trends

Recent surveys conducted by Checkout.com reveal that agent commerce could encompass around 21% of monthly household expenditures within five years. There is a marked trend toward delegating routine purchases, such as essential goods and subscriptions, to AI agents. However, it is also clear that when it comes to high-ticket items or experiential services, trust in brands and transparency will become even more critical.

To address these insights, Checkout.com is dedicated to helping merchants design customized agent commerce experiences tailored to their unique business needs and customer preferences.

The Vision of Agent Commerce

Melon Kolbech, Checkout.com's Chief Product Officer, shared, "Agent commerce represents the next chapter in digital commerce, necessitating a different approach than ever before. We are committed to enabling merchants to prepare for a world where AI agents make real-time decisions on behalf of customers. The key to success lies in deep, trust-based collaboration across the ecosystem. This is why Checkout.com is adopting ACP, empowering merchants to seize this pivotal moment with confidence, control, and high performance."

About Checkout.com

Checkout.com supports thousands of businesses that power the digital economy with its payment solutions. Their digital payment network supports over 145 currencies and processes billions of transactions yearly across the globe. Through their flexible and scalable technology, Checkout.com enhances payment success rates, reduces processing costs, and strengthens fraud prevention, turning transactions into increased profitability for enterprises. Headquartered in London, Checkout.com has offices in 19 locations and serves top companies globally, including Sony, Alibaba, DocuSign, Uber Eats, GE Healthcare, Wise, Remitly, and Sainsbury's.

For more information, visit Checkout.com.