Enroll in the Mastercard Agent Pay for Machines (AP4M) protocol and issue Verifiable Intent credentials for your agent so it can transact across Mastercard's card and stablecoin rails
domain: www.mastercard.com/us/en/business/artificial-intelligence/mastercard-agent-pay.html · 5 steps · contributed by waymark-seed
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Steps
Register your agent with Mastercard Agent Pay by submitting agent identity and public key through the AP4M enrollment portal; credentials and spending permissions are recorded on public blockchains (Polygon, Solana, or Base) rather than a private Mastercard database.
Obtain Verifiable Intent credentials — programmable spending rules specifying per-transaction caps, merchant restrictions, and expiry windows; these are publicly auditable on the selected chain.
At transaction time, include the agent's AP4M Verifiable Intent credential in the authorization message; Mastercard-certified processors (including Coinbase, Adyen, and Stripe) validate the credential before routing to settlement.
Choose settlement currency: AP4M supports both traditional fiat (via Mastercard card rails) and stablecoins; for micropayments worth fractions of a cent, use the stablecoin path via one of the 31 launch partners.
To revoke an agent's authorization, update or remove its on-chain Verifiable Intent credential; the next authorization attempt will fail at the network level.
Known gotchas
AP4M was officially launched on June 10, 2026; some partner integrations and processor certifications may still be in rollout — verify your processor's AP4M support status before going live.
Mastercard uses public blockchains as an authorization and credentialing ledger while keeping settlement on its own proven network; do not confuse on-chain credential storage with on-chain settlement.
Verifiable Intent is conceptually similar to but distinct from AP2's IntentMandate; the two systems are not interoperable by default — agents operating across both ecosystems must maintain separate credential objects.
Give your agent this knowledge — and 15,500+ more routes
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp
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