ACP
ReadyAgentic Commerce Protocol — OpenAI + Stripe
Overview
ACP (Agentic Commerce Protocol) is a joint initiative by OpenAI and Stripe to enable AI agents to purchase goods and services autonomously. It combines OpenAI's agent framework with Stripe's payment infrastructure to create a seamless commerce layer where agents can discover, evaluate, and pay for services on behalf of their users.
How It Works
ACP defines a three-party model: the Consumer Agent (acting on behalf of a user), the Service Provider (offering a tool or service), and the Payment Facilitator (Stripe). The consumer agent discovers available services through ACP-compatible registries, evaluates them based on price, quality, and trust signals, and initiates a transaction.
When the agent decides to purchase, it sends an ACP transaction request containing the service ID, the user's payment authorization, and any negotiated terms. Stripe processes the payment, the service provider fulfills the request, and the agent receives the result — all in a single round-trip.
ACP includes built-in dispute resolution, refund flows, and trust scoring. Agents build reputation over time based on payment history and behavior, which service providers can use to offer preferential pricing or priority access.
How SettleGrid Integrates
SettleGrid integrates with ACP as a service provider. Your tool is registered in ACP-compatible registries with pricing metadata, and when an OpenAI-powered agent initiates a transaction, SettleGrid validates the ACP payment authorization with Stripe, executes your tool, and meters the invocation. Revenue settles through Stripe Connect alongside all other SettleGrid payouts.
Key Specs
| Protocol | ACP — Agentic Commerce Protocol |
| Backer | OpenAI + Stripe |
| Detection Header | Authorization: ACP <transaction-id> |
| Identity Type | acp-transaction |
| Payment Type | stripe-acp |
| Status | Ready |
Code Example
Here is how a developer's tool works with ACP via SettleGrid:
import { settlegrid } from '@settlegrid/mcp'
const sg = settlegrid.init({
toolSlug: 'code-review',
pricing: {
defaultCostCents: 30,
methods: {
'lint': { costCents: 5 },
'security-scan': { costCents: 30 },
'full-review': { costCents: 50 },
},
},
// ACP transactions are validated automatically
})
const securityScan = sg.wrap(async (args: { repoUrl: string }) => {
const findings = await scanRepository(args.repoUrl)
return { content: [{ type: 'text', text: JSON.stringify(findings) }] }
}, { method: 'security-scan' })Start monetizing with SettleGrid
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