Companies across the payments ecosystem have been racing to incorporate AI-driven e-commerce agents into their systems so that consumers can command bots to do their shopping, and make payments on their behalf.

Mastercard and PayPal said last month that they’ve been working with Google as well on protocols for the new form of shopping.

They’re not the only ones entering the agentic arena. Mastercard’s larger network rival Visa and the digital payments developer Stripe have also been spooling up agentic plays.

PayPal and Mastercard envision significant uptake. “Hundreds of millions of consumers and tens of millions of merchants globally will be able to participate in agentic commerce experiences, including the millions of Mastercard cards on file across the PayPal platform and the company’s co-branded credit and debit cards,” the release said.

Still, it remains to be seen which types of consumers will be most interested in agentic shopping, and what types of spending will be best suited to the new approach to buying online. There are also new fraud concerns emerging with the technology.

By Lynne Marek on Oct 27, 2025
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