Revolut has joined the ranks of agentic commerce enablers, as payment providers worldwide accelerate efforts to enable AI-driven checkout; meanwhile, consumer and merchant trust and safeguards remain a work in progress.
Revolut has announced that Revolut Pay is now compatible with Google’s Agent Payments Protocol (AP2), making it one of the first European payment methods designed to support AI-initiated transactions across agentic commerce platforms in the UK and the European Economic Area (EEA). The move positions Revolut to support frictionless checkout flows where AI assistants can complete purchases on behalf of users within conversational interfaces.
According to the announcement, AP2 enables secure, consent-based payments in AI-powered environments, allowing transactions to be executed without redirecting users to traditional checkout pages. Revolut Pay’s integration is intended to support use cases where AI agents manage product selection, checkout, and payment confirmation, while maintaining security and regulatory compliance. The company said the rollout reflects a broader shift toward conversational and intent-driven commerce experiences.
Revolut’s move comes amid a wider industry push to build the infrastructure required for agentic commerce. Alipay recently launched an Open Agentic Commerce Protocol in China, working with the Qwen App and Taobao Instant Commerce to create a common technical framework that allows AI agents to interact securely with merchants and service platforms. In Europe, Worldline has showcased new AI-driven capabilities designed to help merchants and payment providers support agent-led shopping journeys, including smarter routing, fraud controls, and orchestration tools.
Global card networks are also advancing in this space. Visa has deepened its agentic commerce strategy through partnerships with Fiserv and AWS, focusing on scalable cloud-based infrastructure that allows AI systems to initiate and manage payments securely. Meanwhile, India has expanded AI-powered UPI commerce payments to leading AI platforms, including conversational interfaces, marking one of the first large-scale deployments of agent-initiated payments in a real-time domestic payment system.
These developments are underpinned by a growing ecosystem of payment protocols designed specifically for agentic commerce, aimed at standardising how AI agents authenticate users, request consent, and execute transactions across merchants and platforms. Industry participants argue that common protocols are essential to avoid fragmented integrations and to ensure trust, security, and interoperability at scale.
However, growing technical readiness contrasts with persistent consumer concerns. Surveys and industry analysis suggest that many users remain hesitant to let AI systems shop or pay on their behalf, citing worries around loss of control, unclear consent mechanisms, and accountability when something goes wrong. These concerns were highlighted recently by public backlash against an Amazon AI tool, after reports of unauthorised or inaccurate product listings raised questions about oversight, transparency, and responsibility in AI-driven commerce.
As agentic commerce moves closer to mainstream adoption, the challenge for payment providers and platforms will be balancing speed and convenience with robust safeguards, clear user controls, and trust-building measures. Revolut Pay’s integration with Google’s AP2 marks another step forward, though we should not forget that widespread acceptance will depend as much on consumer confidence as on technical capability.
