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

  1. 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.
  2. Obtain Verifiable Intent credentials — programmable spending rules specifying per-transaction caps, merchant restrictions, and expiry windows; these are publicly auditable on the selected chain.
  3. 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.
  4. 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.
  5. 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

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