Revolut Pay positions itself for Agentic Commerce

Revolut Pay is making an early and deliberate move into agentic commerce, becoming one of the first EU-based payment methods compatible with Google’s Agent Payments Protocol (AP2).

Revolut Pay positions for Agentic Commerce

The development signals a strategic recalibration of how payments are expected to function in a world where artificial intelligence agents increasingly act on behalf of consumers.

AP2 is an open protocol developed by Google in collaboration with more than 60 payments and technology firms, including Adyen, Coinbase, Mastercard and PayPal.

Its purpose is to enable secure, agent-led payments across platforms, regardless of payment method, while preserving trust, consent and accountability.

Mandates, Trust and Machine-Led Payments

At the heart of AP2 is the concept of mandates: cryptographically signed, tamper-proof digital contracts that formally capture a user’s payment instructions.

These mandates are designed to support two core agentic shopping models. The first involves real-time purchases where the consumer remains present and in control.

The second enables delegated transactions, where an AI agent completes tasks autonomously within clearly defined boundaries.

For payments providers, this structure is critical. It establishes verifiable consent and auditability, addressing long-standing concerns around security and liability in automated commerce.

By aligning Revolut Pay with AP2, Revolut is positioning itself as a trusted payment rail for these emerging use cases.

Account-to-Account Meets Agentic Checkout

Beyond simple compatibility, Revolut has contributed directly to the AP2 framework by adapting protocol flows for account-to-account payments.

This is a notable distinction in a landscape still dominated by card-centric thinking.

Revolut Pay’s one-tap checkout, underpinned by open banking-style transfers, offers an alternative model well suited to conversational and automated commerce environments.

According to Revolut, the ambition is to move beyond the traditional “click-and-pay” paradigm.

As Alex Codina, general manager of acquiring, puts it, the future of shopping is conversational rather than browser-based, with AI assistants streamlining purchasing decisions and execution.

Strategic Implications for Merchants

For Revolut Business merchants, agentic commerce represents both a risk and an opportunity.

As discovery and purchasing shift into AI-driven interfaces, merchants must ensure their payment options are compatible with agent-led flows.

Revolut Pay’s AP2 alignment aims to preserve conversion rates by embedding a familiar, secure payment method directly into these new channels.

More broadly, the move reflects a recognition that the next phase of digital commerce innovation will occur behind the interface.

Payments that can operate invisibly, securely and autonomously will be best placed to thrive as commerce becomes increasingly mediated by machines rather than screens.