Payment platform PayOS and Mastercard have completed a payment transaction using a Mastercard Agentic token, a digital credential designed to enable AI agents to execute transactions on behalf of users.

On Wednesday, the companies confirmed that the transaction was successfully completed via Mastercard Agent Pay, a service launched last April that integrates agentic AI into intelligent agents such as AI assistants to autonomously manage tasks such as shopping, bill payments and subscriptions.

Mastercard Agent Pay currently offers a tokenisation solution to boost global commerce in a range of payment services including contactless mobile payments, Secure Card on File and Mastercard Payment Passkeys.

PayOS said tokenisation technology improves payments processing by ensuring user consent, authentication, authorisation and fraud prevention.

Tokenisation technology enables every transaction initiated by an AI agent to be explicitly authorised by the user, with tokenised credentials linked to secure identity verification methods (such as biometric data or passkeys), allowing agents to act only within approved limits.

Pablo Fourez, chief digital officer at Mastercard, said that the milestone demonstrates the company’s efforts to build an interoperable agentic ecosystem for digital commerce.

“We’re defining the trust layer using tokenised credentials across our global payments network today, while also preparing for a future where the internet itself is rewired to support agentic commerce more natively,” said Fourez.

As one of the first to adopt Mastercard Agent Pay, PayOS is now able to enable AI agents to use secure and widely accepted payment credentials designed specifically to bring agent commerce to life for consumers, he added.

PayOS confirmed that it is now acquiring customers, both agents and traditional merchants, who want to leverage the network's tokenisation, value-added services and advanced processing capabilities to deliver secure and intelligent payment experiences.

Johnathan McGowan, co-founder and chief executive of PayOS added: "The tools, including services provided by Mastercard, will ensure a better user experience, reduce payment risks and combat fraud.”

The move comes a day after OpenAI launched Instant Checkout, a feature that lets people buy products directly within ChatGPT, starting with US Etsy sellers and with Shopify merchants to follow.

The company said the system is powered by its Agentic Commerce Protocol, co‑developed with Stripe, and will initially support single‑item purchases before expanding to multi‑item carts and more regions.

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