What Is Agentic Commerce?

Agentic commerce refers to AI agents discovering, evaluating, purchasing, and using goods or services for people or businesses under delegated permissions, extending beyond agentic payments, which concern only the movement of money. The process can include defining a task and budget, comparing providers and terms, verifying authorization, completing payment, confirming delivery, and recording the expense, as illustrated through examples such as travel booking or purchasing browser-testing services. Unlike traditional ecommerce designed for human browsing and checkout, agentic checkout relies on machine-readable prices, structured service descriptions, digital authorization, and software-processable receipts, including models such as HTTP 402 payment flows. The discussion identifies stablecoins as potentially suitable for these transactions because they can enable continuous settlement, programmable payment conditions, software-based permissions, payment finality, and economically viable small payments, while noting limitations involving delivery verification, refunds, regulatory requirements, liquidity, and network costs. Examples from Amazon Bedrock AgentCore Payments and Mastercard Agent Pay show different approaches to integrating controlled agent purchasing into cloud platforms and merchant networks. Trust depends on safeguards such as spending caps, approved vendors, expiring permissions, verification, audit-ready receipts, escalation procedures, and mechanisms for handling payment failures, refunds, or disputes.

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