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36 players tracked, 88 news items, Updated

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What is ACP? How AI agents use it to pay

Live

Key date

ACP is a shared checkout language. An AI agent can pass an order to a business, and the business still owns the sale.

Who backs it

Stripe and OpenAI co-developed it. Stripe's current documentation also lists Meta as a creator. The public GitHub project says OpenAI and Stripe maintain the spec.

What it is

The Agentic Commerce Protocol is an open standard for the moment an AI agent is ready to buy. The agent and the business exchange the cart, the fulfillment choice, and a payment token. The business accepts or declines the order, charges the shopper, and handles tax, shipping, and returns the way it already does.

Stripe and OpenAI published it on September 29, 2025, the same day U.S. ChatGPT users could buy from U.S. Etsy sellers inside the chat. Shopify merchants were described as coming next. The payment token is scoped to a particular merchant and cart total, so the agent does not receive the shopper's card number.

Who it is for

A store uses it to take an order that started in a chat. An AI app uses it to offer checkout without becoming the seller. A payment company uses it to pass a secure token between the shopper and the store.

Stripe's documentation describes building blocks for checkout, product feeds, delegated payment, delegated sign-in, and order updates. Businesses that do not process payments with Stripe can still adopt the standard.

Status

The specification is public and Stripe and OpenAI both document it for builders, so this tracker marks it live. The GitHub repository still labels the spec beta. A later stable snapshot in that repository is dated April 17, 2026.

The first ChatGPT product built on it, Instant Checkout, did not stay in its original form. On March 24, 2026 CNBC reported that OpenAI was letting merchants use their own checkout and focusing ChatGPT on finding and comparing products. Some store apps inside ChatGPT still describe their own in-chat payment.

Note on this pageStripe's docs name Meta as a co-creator. The September 2025 launch posts name Stripe and OpenAI. This page reports both.

Sources

Which players support it

A player is listed only when its tracker row names ACP. Everyone else is not yet confirmed.

  • Klarna · Pilot · February 2, 2026
  • Etsy · Live · September 29, 2025
  • Instacart · Live · December 8, 2025

Tracker row: Agentic Commerce Protocol (ACP)

Recent related news

Questions people ask

What is ACP? How AI agents use it to pay

ACP is a shared checkout language. An AI agent can pass an order to a business, and the business still owns the sale.

What is the Agentic Commerce Protocol?

ACP is an open checkout language from Stripe and OpenAI. An AI agent can pass a shopper's order to a business, and the business still accepts the order, charges the payment, and handles shipping and returns.

Who created ACP?

Stripe and OpenAI published it on September 29, 2025. Stripe's current documentation also lists Meta as a creator. The public GitHub project says OpenAI and Stripe maintain the spec, and it is still marked beta.

Is ACP live?

The specification is public and both Stripe and OpenAI document it, so this tracker marks it live. A later snapshot in the GitHub repository is dated April 17, 2026. The first ChatGPT Instant Checkout that used it was later narrowed.

Can a store use ACP without using Stripe?

Yes. Stripe said businesses that do not process payments with Stripe can still adopt the standard and keep their existing payment provider.

What is ACP? How AI agents use it to pay · Agent Shopping Tracker