Monthly Archives: September 2026
Four Agentic Commerce Frameworks Compared: Visa TAP, Google UCP and AP2, OpenAI ACP, Mastercard Agent Pay
Four companies are building the rails for AI agents to buy things. Read side by side, the frameworks are not really competing. Each answers a different question.
The 16-Digit Card Number Now Has an Expiration Date: 2030
Mastercard has committed to 100% e-commerce tokenization in Europe by 2030 and is phasing out manual card entry. Visa is heading the same way. This is an authorization story more than a UX story.
False Declines Just Became More Dangerous Than Fraud
When a human gets declined at checkout, they retry. When an AI agent gets declined, it silently moves on. Agentic commerce makes approval precision as important as fraud prevention.