ACP (Agentic Commerce Protocol) Definition.

Open agentic commerce protocol published by OpenAI and Stripe in September 2025. It lets a conversational agent (ChatGPT) buy directly from a merchant through the Instant Checkout feature. The merchant remains the merchant of record and receives a Shared Payment Token, a delegated payment token issued by Stripe, instead of raw card data. A direct competitor to Google’s AP2, it turns the AI model into a new checkout surface.

See also

→ AP2 (Agent Payments Protocol)→ AI payment agent→ Merchant of record

Where this term appears

GuideThe role of banksGuideMerchant, acquirer, PSPGuidePayment regulationGuideFrench fintech: an overviewGuideThe PSD2 framework contract and conduct-of-business rulesGuideWhen no authorization is required: exclusions from the scope of payment servicesGuidePayments in FranceGuideMonaco, Andorra, San Marino, Liechtenstein, and the Crown DependenciesGuideResponding to authorities: requisitions, garnishments, and foreign requestsGuidePayments in South Asia outside IndiaGuidePayments in BangladeshGuideMobile money in Africa

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