IDEMIA Secure Transactions (IST), a global leader in payment and connectivity solutions, recently unveiled its Agentic Commerce solution, designed to help payment networks support transactions initiated by AI agents while preserving trust, consent, and payment sovereignty.
As AI agents begin to search, compare, recommend and initiate purchases for consumers, checkout is set to become less visible and more automated. For domestic schemes, regional networks and private-label card issuers, the challenge is clear: make their cards available, trusted and selectable when the agent becomes the new shopping interface.
IST’s Agentic Commerce solution addresses this challenge by combining its Token Platform, FIDO2-certified authentication capabilities, and new features for consent capture, verification and dispute-ready evidence. It gives payment networks the infrastructure they need to make their cards agent-ready and compete on a level playing field with international payment schemes.
Bringing Every Network into Agentic Commerce
As global players have built agentic commerce within their own environments, IST is providing the independent trust infrastructure that allows every payment network to take part by delivering the stack needed to make its cards available, secure and selectable in agent-driven checkout.
“At IDEMIA Secure Transactions, we believe it’s crucial to give every payment network a proven way to be ready for AI-driven checkout. Domestic and regional schemes, private-label and co-branded card issuers can now take part in this new era of commerce on their own terms, with trust and control for the consumers,”said Anastasia SERIKOVA, EVP Digital Payments Solutions at IDEMIA Secure Transactions.
Securing AI Agent-Initiated Payments
When an AI agent shops on behalf of a consumer, the payment journey changes. Every network must now be able to answer three questions: who expressed the intent to buy, and on what terms; who confirmed the purchase, and with what credential; and how this can be proven months later, if a dispute is initiated and the agent may no longer exist.
IST’s Agentic Commerce solution answers these questions through four key capabilities:
- Agent-ready tokenization, releasing tokenized payment credentials through IST’s Token Platform only once consent has been verified, keeping issuers and networks in the decision path.
- Passkey-based authentication, to help ensure secure cardholder authentication during enrolment and payment.
- Restricted-use payments, allowing tokens to be limited by merchant, amount, category or time period, so AI agents can transact only within clearly defined conditions, even when the consumer is not present at the moment of purchase.
- Verifiable proof of consent, ensuring each agent-initiated purchase is backed by user authorization that can still be produced in a dispute months later, even if the agent no longer exists.
Together, these capabilities allow payment networks and issuers to secure agentic commerce without delegating trust entirely to the agent, the merchant, or a global scheme-controlled environment.
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