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EMV® Agentic Payments – Framework for Specifications

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This page is about EMVCo's draft framework for card payments made by AI agents, which proposes shared Intent Services for consumer-authorised intent [2]. It is not Visa's Trusted Agent Protocol (TAP) or Visa Intelligent Commerce [13][14], not Mastercard Agent Pay [11], and not Verifiable Intent (VI), which Mastercard introduced with Google [10] and which EMVCo names as something the framework complements [2]. It is not the Agent Payments Protocol (AP2), the Agentic Commerce Protocol (ACP), x402 or the Machine Payments Protocol (MPP). The Know Your Agent (KYA) work EMVCo may take up later [2] is not the KYAPay token.

Overview

EMV® Agentic Payments – Framework for Specifications is a draft from EMVCo, the body owned by the card networks, on how card payments made by AI agents on a consumer's behalf can carry what the consumer authorised [2][7]. Its main proposal is Intent Services, a shared layer where payment participants register, look up and update that authorised intent before, during and after a payment, aimed at recurring purchases, budgets and later changes [2]. It is a foundation for possible future specifications rather than a specification, and it may lead to changes in EMV 3-D Secure, Payment Tokenisation, Secure Remote Commerce and the Digital Payment Credential [2][6]. EMVCo opened it for public comment from 1 to 30 September 2026 after Associate review, and says it complements the cryptographic assurance of existing solutions such as Verifiable Intent, which Mastercard introduced with Google [2][10].

Who uses it

No implementation, pilot or conformance claim was found as of 2026-10-29. Taking part is not using it: Discover Network and Worldpay say they sit on the Task Force [8][16].

Who reads it

Dated stances on EMVCo's agentic work, as sourced facts. Where no statement was found, that is said.

American Express, Discover, JCB and UnionPay (checked 2026-10-29) · No dated public statement on the framework from any of the four was found; Discover Network's Board member sits on the Task Force [8].

Recent coverage

See also

References

  1. EMVCo, EMV® Agentic Payments – Framework for Specifications v1.0 DRAFT: Comment period ends 30-Sept 2026 (resource page; posted 2026-08-30 23:00 UTC per page metadata; download behind a Terms of Use Accept button, not followed), checked 2026-10-29: "Home > Technical Resources > EMV® Agentic Payments – Framework for Specifications v1.0 DRAFT: Comment period ends 30-Sept 2026" "TERMS OF USE Last Updated: April 17, 2020" — https://www.emvco.com/resources/emv-agentic-payments-framework-for-specifications-v1-0-draft-comment-period-ends-30-sept-2026/
  2. EMVCo, EMVCo Requests Feedback on Framework for Secure, Interoperable and Scalable Card-Based Agentic Payments (press release), 2026-09-01, checked 2026-10-29: "has released a draft framework to help promote secure, interoperable and scalable card-based agentic payments." "The framework provides a foundation for further industry engagement and potential specification development, with all interested stakeholders encouraged to provide their feedback on EMV ® Agentic Payments – Framework for Specifications by Wednesday 30 September." "EMVCo has focused on card-based agentic payment scenarios where intent needs to be managed over time, such as recurring purchases, cumulative budgets and post-transaction activities." "EMVCo has identified an opportunity to complement cryptographic assurance provided by existing industry solutions, such as Verifiable Intent, with a common coordination point that can help participants consistently interpret consumer-authorised intent." "Intent Services provide a shared, interoperable layer that enables payment participants to register, reference, retrieve and manage consumer-authorised intent before, during and after a transaction." "The framework provides an overview of ecosystem roles and data fields for registering intent, maintaining lifecycle and state information, and enabling the authorised retrieval of intent-related data." "Card-based agentic payments require a globally interoperable foundation that consumers, merchants and issuers can all trust." "EMVCo has established a dedicated Agentic Payments Task Force and is actively engaging with the hundreds of industry stakeholders that participate as EMVCo Associates and Subscribers." "It is also collaborating closely with various industry partners and technical bodies, including the FIDO Alliance, the OpenID Foundation, the OpenWallet Foundation and W3C." "the framework will help identify potential future enhancements to other EMV technologies – including EMV 3-D Secure (3DS), EMV Payment Tokenisation, EMV Secure Remote Commerce (SRC) and the EMV Digital Payment Credential (DPC)." "EMVCo may consider capabilities related to Know Your Agent (KYA) and Agentic Transaction Indicators to be included in future publications." "Following initial review from EMVCo Associates, EMV ® Agentic Payments – Framework for Specifications is now available for public review until Wednesday 30 September." — https://www.emvco.com/news-publications/emvco-requests-feedback-on-framework-for-secure-interoperable-and-scalable-card-based-agentic-payments/
  3. EMVCo, Clinton Allen, How EMVCo is Working to Enable Secure, Interoperable and Scalable Card-Based Agentic Payments (EMV Insights), 2026-09-01, checked 2026-10-29: "In the first of a dedicated EMV ® Insights series, Clinton Allen, Chair of the EMVCo Agentic Payments Task Force" "our work in the agentic space centres on use-cases where consumers delegate authority to AI agents to use card payments for making purchases on their behalf." "the consumer may instruct an agent to make a purchase within set limits and may not be present when the payment is actually executed." "The agentic payments ecosystem is complex, comprising various existing and emerging industry standards and protocols. This poses the risk of fragmentation." — https://www.emvco.com/news-publications/how-emvco-is-working-to-enable-secure-interoperable-and-scalable-card-based-agentic-payments/
  4. EMVCo, EMVCo Working on How Global Specifications Can Support Agentic Payments (press release), 2025-11-20, checked 2026-10-29: "has announced that it is working on how global specifications can support innovation in agentic payment solutions by increasing trust and interoperability across the ecosystem." "EMVCo is working on how EMV Specifications – including EMV 3-D Secure (3DS), EMV Payment Tokenisation and EMV Secure Remote Commerce (SRC) – can be developed and enhanced to promote seamless and secure card-based agentic payments." — https://www.emvco.com/news-publications/emvco-working-on-how-global-specifications-can-support-agentic-payments/
  5. EMVCo, Oliver Manahan, Agentic Payments and Digital Payment Credentials: Highlights from the EMVCo Board of Advisors Meeting (EMV Insights), 2026-04-10, checked 2026-10-29: "An Agentic Payments Task Force has now been established to define and develop EMVCo's approach, examining scenarios in which consumers authorise artificial intelligence (AI) agents to use card payments for purchases on their behalf." "The Task Force will also coordinate across EMVCo to evaluate how EMV 3-D Secure (3DS), EMV Payment Tokenisation, EMV Secure Remote Commerce (SRC) and digital identity technologies can best support agentic payments, as well as engaging with other technical bodies, industry groups and ecosystem participants." — https://www.emvco.com/news-publications/agentic-payments-and-digital-payment-credentials-highlights-from-the-emvco-board-of-advisors-meeting/
  6. EMVCo, EMVCo Newsletter: Q3 2026, 2026-10-09, checked 2026-10-29: "As a first step on the journey, EMVCo has published the draft EMV® Agentic Payments – Framework for Specifications to provide a foundation for further industry engagement and potential specification development." "Available to Public:" "EMV® Agentic Payments – Framework for Specifications Version 1.0 (Draft) Framework to help promote secure, interoperable and scalable card-based agentic payments, which introduces the concept of 'Intent Services'." "Available to Associates and Subscribers:" "The draft EMV® 3-D Secure (3DS) Protocol and Core Functions Specification Version 2.4 has been published for Associate and Subscriber review." "EMV Payment Tokenisation Specification – Technical Framework Version 2.4 Provides an update to incorporate changes made since the publication of Version 2.3, including updates to the references to PAR and additional PAR use cases." — https://www.emvco.com/news-publications/emvco-newsletter-q3-2026/
  7. EMVCo, Overview of EMVCo, checked 2026-10-29: "EMVCo is collectively owned by American Express, Discover, JCB, Mastercard, UnionPay and Visa." — https://www.emvco.com/about-us/overview-of-emvco/
  8. EMVCo, Organisation Structure, checked 2026-10-29: "EMVCo is managed by the Board of Managers, which is comprised of two representatives from each of the member organisations." "Matt Crothers currently serves as Chair of the EMVCo Board of Managers, representing American Express." "Leigh Garner is a member of the EMVCo Board of Managers, representing Discover Network. He also represents Discover on the EMVCo Executive Committee and in the Agentic Payments Task Force." — https://www.emvco.com/about-us/organization-structure/
  9. EMVCo, EMVCo Associates Programme and Subscriber Programme Policy and Procedures, Version 6.1, 2024-08-01 (PDF; the file name says Version 5.2), checked 2026-10-29: "EMVCo Associates Programme and Subscriber Programme Policy and Procedures Version 6.1 1 August 2024" "A simple majority of the non-abstaining voting Advisors must vote in the affirmative for a final draft Work Item to be released." — https://www.emvco.com/wp-content/uploads/2026/03/EAP-Policy-and-Procedures-Version-5.2.pdf
  10. Mastercard, How Verifiable Intent builds trust in agentic AI commerce, 2026-03-05, checked 2026-10-29: "we're collaborating with Google to introduce Verifiable Intent, a new open, standards-based trust layer for agentic commerce." "Verifiable Intent is built on widely adopted specifications from the FIDO Alliance, EMVCo, the Internet Engineering Task Force, and the World Wide Web Consortium." "In the coming months, Verifiable Intent will be integrated directly into Mastercard Agent Pay's intent APIs" — https://www.mastercard.com/global/en/news-and-trends/stories/2026/verifiable-intent.html
  11. Mastercard, Mastercard unveils Agent Pay, pioneering agentic payments technology to power commerce in the age of AI (press release), 2025-04-29, checked 2026-10-29: "The program introduces Mastercard Agentic Tokens, which build upon proven tokenization capabilities that today power global commerce solutions like mobile contactless payments, secure card-on-file, and Mastercard Payment Passkeys, as well as programmable payments like recurring expenses and subscriptions." "The program will require trusted AI agents to be registered and verified, after which they will be able to make secure payments on behalf of their users." — https://www.mastercard.com/us/en/news-and-trends/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai.html
  12. Mastercard, Agentic token framework: Driving trusted AI transactions, 2025-10-14, checked 2026-10-29: "Mastercard's Agent Pay Acceptance Framework begins by registering and verifying AI agents before they are permitted to transact on the Mastercard network. Each agent is uniquely identified and then enabled to initiate transactions using agentic tokens - dynamic, cryptographically secure credentials that ensure every transaction is both traceable and authenticated." — https://www.mastercard.com/us/en/news-and-trends/stories/2025/agentic-commerce-framework.html
  13. Visa, Visa Introduces Trusted Agent Protocol: An Ecosystem-Led Framework for AI Commerce (press release), 2025-10-14, checked 2026-10-29: "We are committed to aligning closely with global standards bodies like IETF, OpenID Foundation and EMVCo." "While these initial specifications apply to the Visa network in this phase, enabling agents to safely and securely act on a consumer's behalf requires an open, ecosystem-wide approach." — https://investor.visa.com/news/news-details/2025/Visa-Introduces-Trusted-Agent-Protocol-An-Ecosystem-Led-Framework-for-AI-Commerce/default.aspx
  14. Visa, Visa to enable AI-driven shopping for businesses (press release on Intelligent Commerce Connect), 2026-04-08, checked 2026-10-29: "Intelligent Commerce Connect acts as a network, protocol, and token vault-agnostic 'on ramp' to agentic commerce" — https://corporate.visa.com/en/sites/visa-perspectives/newsroom/visa-intelligent-commerce-connect-ai-shopping-for-businesses.html
  15. Jordan McKee, 451 Research (S&P Global), Visa establishes an early position in agentic commerce infrastructure, 2026-06-05 (reprint licensed to Visa, PDF), checked 2026-10-29: "EMVCo LLC, the payments standards organization jointly owned by the major card networks, has remained largely absent from public agentic commerce initiatives." — https://www.visaacceptance.com/content/dam/va2023/docs/451-research-visa-establishes-early-position-agentic-commerce.pdf
  16. Worldpay, Agentic commerce needs a trust layer no one owns (Insights), 2026-08-14, checked 2026-10-29: "We contribute to EMVCo's Agentic Payments Task Force, to identity and intent work with the networks and platforms, and to the Agentic AI Foundation, on one position throughout: The layer holds only if it is open." — https://www.worldpay.com/en/insights/articles/agentic-commerce-needs-trust-layer-no-one-owns
  17. OpenID Foundation, OIDF responds to EMVCo Agentic Payments framework draft, 2026-10-08, checked 2026-10-29: "The OpenID Foundation has submitted comments to EMVCo on the EMV® Agentic Payments – Framework for Specifications v1.0 DRAFT" "Separate agent identity from delegated authority. Every agent initiated payment should be identifiable as such, and relying parties should be able to confirm the Agent Provider behind an agent from signed, attested metadata." "These are initial comments from OpenID Foundation experts. They do not represent the consensus view of the Foundation or any of its Working Groups or Community Groups" — https://openid.net/oidf-responds-to-emvco-agentic-payments-framework-draft/
  18. Ant International, Ant International, Mastercard and Visa Initiate Collaboration on Know-Your-Agent Interoperability to Scale Agentic Commerce, 2026-09-10, checked 2026-10-29: "Ant International, Mastercard, and Visa have begun collaboration on a Know-Your-Agent (KYA) interoperability framework, designed to help card networks, digital wallet ecosystems, agent platforms and marketplaces streamline agent onboarding and identification across networks, based on shared principles while preserving each network's own verification and decisioning processes." — https://www.ant-intl.com/en/news/detail/ant-international-mastercard-and-visa-initiate-collaboration-on-know-your-agent-interoperability-to-scale-agentic-commerce/
  19. PYMNTS, EMVCo Takes On Proof of Permission for AI Payments, 2026-10-02, checked 2026-10-29: "The standards body closed public comments Sept. 30 on its Agentic Payments — Framework for Specifications" "It does not define the business rules, in other words, how a product is used," — https://www.pymnts.com/news/artificial-intelligence/2026/emvco-framework-targets-consumer-intent-agentic-payments/
  20. Boston Identity, IAM Insights, EMVCo's agent-payment framework is not a spec; its consent proof is FIDO's Verifiable Intent, in AP2's shape, 2026-10-09 (updated 2026-10-16), checked 2026-10-29: "The body the card networks own put a 57-page draft framework for agent-initiated card payments out for comment until 30 September 2026." "A draft framework, marked confidential yet published for public comment. Nothing in it is a binding requirement" — https://insights.bostonidentity.com/research/emvco-2026-08-27-agentic-payments-framework-v1-draft
  21. FinTech Global, EMVCo drafts framework for agentic card payments, 2026-09-04, checked 2026-10-29: "A central proposal is the introduction of Intent Services, an interoperable layer designed to allow payment participants to register, reference, retrieve and manage a consumer's authorised purchasing intent throughout the transaction lifecycle." — https://fintech.global/2026/09/04/emvco-drafts-framework-for-agentic-card-payments/

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