Register your payment processor or issuer as an AP2-capable participant so you can receive and process AP2 Payment Mandate Verifiable Credentials in authorization flows
Review the AP2 PSP/issuer onboarding documentation at ap2-protocol.org and complete the technical questionnaire confirming your system's ability to handle W3C VC mandate payloads in authorization messages
Implement the AP2 Payment Mandate ingestion endpoint in your authorization system: accept the VC payload from the payment metadata field of the incoming transaction, parse the JSON-LD or JWT-VC format, and extract mandate scope fields
Integrate with the AP2 trust registry (hosted by FIDO Alliance as of mid-2026 following AP2 donation) to resolve trust anchors for mandate VC signature verification at authorization time
Update your authorization decision logic to consume the agent-involvement and human-present signals from the mandate and apply the appropriate risk scoring adjustments and liability rules per your card network participation agreements
Complete certification testing with AP2's reference test suite to validate that your implementation correctly accepts valid mandates, rejects expired or out-of-scope mandates, and passes all required network-level data fields
Known gotchas
The AP2 trust registry moved from Google-hosted to FIDO Alliance governance in mid-2026; if your implementation hard-codes the trust anchor resolution URL, update it to point to the FIDO-hosted endpoint or mandate verification will fail for all new participants
AP2 mandate processing adds computational overhead to the authorization hot path; pre-cache trust anchor certificates with a short TTL and implement an async verification fallback that allows the transaction to proceed with reduced confidence rather than timing out
AP2 is an authorization layer only; registering as an AP2 participant does not automatically change your network fee tier or liability assignment — negotiate network rule updates separately with Visa and Mastercard to activate the liability benefits of AP2 mandate acceptance
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp