Global payment networks are already building for AI commerce
Visa

Intelligent CommerceAgent credentials on card rails via VTS tokens, Trusted Agent Protocol.

Mastercard

Agent PayAgentic tokens and Verifiable Intent for agent-initiated payments.

American Express

Agentic Commerce EnablementAgent-ready card acceptance and controls for members.

Ant International

Agentic Mobile ProtocolOpen agent-payment framework for wallets and super apps.

Industry proof, not partners. Sep 2026: Visa, Mastercard and Ant International began a shared Know-Your-Agent interoperability framework. Sources: Visa IR · Mastercard · Amex · Ant International.
01The problem

Online checkout was built for humans.
Agents do not fit.

A checkout that loses 70% of human buyers to abandonment (Baymard Institute) was never designed for a machine. Every field and every step is a barrier or a point of failure for an agent.

01

Merchants block agents as bots before they can pay

57%

of holiday e-commerce traffic in 2024 came from bots, 31% of it malicious. Merchants block everything automated by default, including well-behaved agents.

Radware, 2024
02

An agent cannot complete 3-D Secure authentication

76%

of 37 markets saw the frictionless share of 3DS fall. More OTP and bank-app challenges: friction for a human, a wall for an agent.

Ravelin, Global Payments Report 2026
03

Screen scraping is not a payment solution

61%

task success for the best browser agent on live sites. Half of all failures are CAPTCHAs, blocks and broken pages.

Online-Mind2Web, COLM 2025
What happens todayone agent · one purchase
Agent reaches checkoutproduct chosen, ready to buyReached
Enters card detailsvia scraping, if not blockedFragile
3-D Secure challengeOTP sent to a human's phoneBlocked
Sale lostthe merchant sees an abandoned cartNot measured
02How it works

Five protocols, four rails.
One integration.

Without an orchestration layer every merchant integrates every standard against every rail. Synctra collapses that into one.

Without Synctra20 integrations
Visa VTS MC Agent Pay x402 AP2 / ACP Wallets Acquirer PSP Off-ramp Bank 5 × 4
Every protocol against every rail. Each new standard multiplies the work, and there will be five more.
With Synctra1 integration
Visa VTS MC Agent Pay x402 AP2 / ACP Wallets Acquirer PSP Off-ramp Bank POLICY · ROUTE · SETTLE5 + 4
Protocols and rails plug into one layer. A new standard is one adapter, not a rewrite for every merchant.
In scopePayment infrastructure: acceptance, orchestration, routing, settlement currency.
Out of scopeProduct discovery and checkout orchestration. Synctra sits below the checkout, not inside it.
03Product

Two ends. One layer.

Issuing works today. Orchestration goes live with the first PSPs in Q1 2027.

Issuing side

Cards for agents

  • Payment-system tokenization (Visa, Mastercard · VTS)
  • Spend limits per agent
  • MCC controls
WorkingFirst card issued May 2026 · live Q1 2027
Synctra
Agent card
···· ···· ···· 4402
Agent
procure-boton behalf of Voltix BV
Limit
€5,000 / moMCC: software, travel
Orchestration side

SDK for PSPs and merchants

Agents have their own payment standards. All of them are accepted through the same integration.

  • Agent cards, x402 stablecoins, wallets (Apple Pay · Google Pay · PayPal)
  • Optimized routing, one control panel
  • Analytics and reporting
  • In designPilot Q1 2027 · launch Q2 2027
04Who it is for

Built for PSPs.
Open to merchants.

A PSP integrates once and switches on agent acceptance for every merchant it serves. Merchants whose PSP is not there yet connect directly.

For PSPs · EU mid-market

One integration. Every merchant you serve.

Your merchants already lose agent-initiated sales as abandoned carts. Synctra adds acceptance without touching their checkout, and shares the revenue.

Get early access
  1. Partner PSPintegrates the Synctra SDK once
  2. Synctrapolicy · routing · settlement
  3. Existing merchant baseagent acceptance, no checkout change
  4. Revenue shareon every agent-initiated transaction
For merchants

Start accepting agent payments in Q2 2027.

Setup will take days, not months.

Join the merchant waitlist
  1. 01Sign up
  2. 02Connect your payment providers
  3. 03Choose your settlement currency
  4. 04Follow the installation guide
  5. 05Go live
Your PSP doesn't support agent payments? Synctra will connect one that does.
Don't accept stablecoins? Synctra will provide the gateway.
05Status · September 2026

What works today, and what comes next.

Pre-launch. This is exactly where the product stands.

May 2026

Agent card issuance works

First agent card issued. MVP finished. Issuing agreement signed with OmyPayments.

Q4 2026

V1 architecture

Orchestration layer designed over AP2, ACP, x402, MPP and TAP. Finalized by end of September.

Q1 2027

Going live

1–2 PSPs integrated, first live transaction. Card issuance live and operational. First two payment methods: x402 and Visa/Mastercard.

Q2 2027

Orchestration product

Launched for PSPs and merchants; recurring revenue begins. Compliance: PCI DSS Level 1 service provider, card tokenization in-house.

Q3 2027–Q1 2028

Distribution

More PSPs, more merchants, recurring revenue.

Beachhead: European mid-market PSPs, EUR settlement. Expansion to merchants and PSPs in other regions follows.
06PSP console

One control panel for every agent payment.

What a partner PSP will work in from the Q2 2027 launch: intents, routing, settlement and risk in one place. The figures are illustrative.

Early access

Be among the first PSPs
to accept agent payments.

Synctra is onboarding 1–2 European PSPs for the Q1 2027 pilot: first live transactions on x402 and Visa/Mastercard agent cards. Merchants can join the waitlist for the Q2 2027 launch.

I'm a PSP I'm a merchant
First agent card issued May 2026Issuing partner OmyPaymentsPilot go-live Q1 2027
Or write directlyhello@synctra.io

Agent-initiated purchases already fail every day, unmeasured. By Q2 2027 they will settle through one layer.