Mastercard Launches "Agent Suite" for Agentic Commerce — AI Agent Building Service for Banks and Merchants

Mastercard Announces Enterprise AI Agent Support Service

Mastercard launches Agent Suite for AI commerce

Mastercard announces Agent Suite to help merchants prepare for agentic commerce era.

On January 27, 2026, Mastercard announced in an investor press release its new service "Mastercard Agent Suite" for the agentic commerce era. The service is scheduled to launch in Q2 2026.

Agent Suite is a comprehensive solution for enterprises to build, test, and deploy AI agents. It leverages Mastercard's payment expertise, data analytics infrastructure, proprietary technology, and 4,000 advisors worldwide to support enterprises in adopting agentic AI.

Background and Industry Context

Agentic commerce is a new form of commerce where AI agents autonomously perform product searches through purchase on behalf of consumers. According to eMarketer predictions, by 2028, one-third of enterprise software applications will incorporate agentic AI.

Mastercard predicts that by 2030, a significant portion of customer-facing and operational tasks will be assisted by AI agents. However, many enterprises currently lack the tools and knowledge to adapt to this change. Agent Suite is positioned precisely to fill this gap.

The Difference Between Agent Suite and Agent Pay — Payment Infrastructure vs. Customer Experience Platform

An important point here is that the newly announced "Agent Suite" is a different service from "Agent Pay," which was announced in 2025.

Agent Pay is an authentication and tokenization framework for when AI agents execute payments. It issues dedicated tokens called "Agentic Tokens," providing a mechanism for AI agents to securely make payments on behalf of users. According to PYMNTS reporting, Fiserv has already integrated this Agent Pay Acceptance Framework into its payment infrastructure.

On the other hand, Agent Suite is a suite of solutions covering processes before payment—the entire customer experience including product discovery, personalization, and conversational shopping. It combines technical support with customizable AI agents to help enterprises build agents optimized for their needs.

In other words, while Agent Pay is "payment infrastructure," Agent Suite is positioned as a "customer experience building platform."

Agent Suite Features and Initial Use Cases

Agent Suite's initial use cases are broadly divided into two categories: for banks and for merchants.

For Banks: Intelligent Product Discovery Banks can offer product recommendations to customers through AI agents. For example, they can propose financial products suited to customer needs in real-time—such as travel credit cards or accounts that reduce fees—and track their effectiveness.

For Merchants: Personalization × Conversational Shopping This is what e-commerce businesses should pay attention to. Merchants can set rules for AI agents covering inventory status, margins, promotions, and brand voice. These agents provide conversational guidance at key moments in the purchase journey, allowing consumers to receive real-time personalized recommendations based on their preferences.

Agent Suite is built with "privacy and responsible AI" as design principles, complying with Mastercard's security standards.

Expanding Partnerships with Major Platforms

Alongside the Agent Suite announcement, Mastercard is also strengthening partnerships with major technology companies.

In collaboration with Google, Mastercard announced participation in the Universal Commerce Protocol (UCP). UCP is an open protocol that enables interoperability between AI agents and merchants. They are also advancing integration with Google's Agent Payments Protocol and Agent2Agent Protocol.

With Microsoft, work is underway to integrate Agent Pay into Copilot Checkout. Mastercard is also collaborating with OpenAI's Agentic Commerce Protocol, Cloudflare, and PayPal to achieve secure, intent-based agentic commerce.

Implications and Applications for E-Commerce Businesses

For e-commerce businesses, the arrival of Agent Suite means the time has come to seriously consider "AI agent readiness."

• Organizing your product data, inventory information, and pricing rules
• Documenting brand voice and communication guidelines
• Optimizing product descriptions for conversational interfaces

Availability Agent Suite is scheduled to launch in Q2 2026 (April-June). First, it's important to organize your data infrastructure and structure information so AI agents can access it.

Summary

Mastercard's Agent Suite is positioned as a "customer experience building platform" for the agentic commerce era. Combined with Agent Pay, which handles payment authentication, it enables a consistent AI agent experience from product discovery to purchase completion.

Protocol partnerships with major players like Google, Microsoft, and OpenAI are progressing, and the agentic commerce ecosystem is rapidly taking shape. E-commerce businesses should start strategic preparations now with this trend in mind.