Based on the payment tokenization and authentication technology of IDEMIA Secure Transactions, this solution enables domestic payment schemes, regional networks, and proprietary brand card issuing institutions to securely support checkout processes driven by AI agents, while retaining their roles at key points in the payment decision-making process.
Coulouvray, France, September 29, 2026 /PRNewswire/ -- Global payment and connectivity solutions provider IDEMIA Secure Transactions ( IST ) today announced its Agentic Commerce solution, aimed at helping payment networks support transactions initiated by AI agents while maintaining trust, consent mechanisms, and payment sovereignty.
As the AI agent begins to search for, compare, recommend, and initiate purchases on behalf of consumers, the checkout process will become less noticeable and more automated. For domestic payment solutions, regional networks, and proprietary brand card issuers, the challenge is clear: when agents become the new shopping interface, how can their bank cards be made available, credible, and selectable within this new framework?
IST indicates that its Agentic Commerce solution addresses this challenge by combining the company's Token Platform and FIDO2 certification capabilities, as well as new features for consent collection, verification, and dispute evidence collection. This solution provides the necessary infrastructure for payment networks, enabling bank cards to be ready for proxy scenarios and to compete in the same competitive environment as international payment solutions.
Enabling all payment networks to participate in proxy-based commerce
IST indicates that while global participants are already building proxy-based businesses in their respective environments, the company is providing an independent trust infrastructure that enables every payment network to participate, delivering the technology stack that makes their bank cards available, secure, and selectable for proxy-driven checkout.
"At IDEMIA Secure Transactions, we believe that it is crucial to provide each payment network with a verified method to prepare for checkout driven by AI. Domestic and regional payment solutions, as well as proprietary and co-branded card issuers, can now participate in this new era of commerce according to their own terms, while retaining trust and control for consumers," said Anastasia SERIKOVA, Executive Vice President of Digital Payment Solutions at IDEMIA Secure Transactions.
Guarantee payments initiated by AI as an agent.
When AI acts as an agent to make purchases on behalf of consumers, the payment process changes. Nowadays, each payment network must answer three questions: Who expressed the intention to purchase, and under what conditions; who confirmed the purchase, and what type of credentials were used; and in the event of a dispute that arises months later, when the agent may no longer exist, how can this information be proven.
IST indicates that its Agentic Commerce solution addresses these issues through four key capabilities:
- Payment tokenization for proxy scenarios: Tokensized payment credentials are only released through Token Platform of IST after consent and verification have been obtained, allowing the issuing institution and the payment network to remain within the decision-making process.
- Authentication based on Passkey: Helps to ensure the security of cardholder authentication during the registration and payment processes.
- Restricted Use Payments: It allows payment tokens to be restricted by merchant, amount, category, or time period, enabling the AI agent to conduct transactions only under clearly defined conditions, even when the consumer is not present at the time of purchase.
- Verifiable consent proof: Ensure that every purchase initiated by an agent is supported by user authorization, and that such proof can still be presented during dispute resolution even months after the agent no longer exists.
IST indicates that by combining these capabilities, payment networks and card-issuing institutions can ensure the security of agent-based commerce without having to fully entrust trust to agents, merchants, or environments controlled by global payment solutions.
Infrastructure built for payment networks
IST indicates that this solution is a natural extension of the company's long-term business, built upon its decades of experience in serving global payment networks, digital wallets, and card-issuing institutions, its tradition of prioritizing security, and its leading position in the field of payment tokenization. As AI agents become the new interface for commerce, payment networks will require a layer of trusted infrastructure that can connect payment tokens, authentication, consent, and transaction control. With its Agentic Commerce solution, IST claims that its role will expand from a provider of payment token services to a pioneer of trusted infrastructure that drives payments.
