Mastercard Agent Pay
PendingMastercard Agent Pay — Mastercard
Overview
Mastercard Agent Pay is Mastercard's framework for enabling AI agents to make verified, intent-based payments. It uses Mastercard's Verifiable Intent technology to ensure that every agent payment reflects the genuine intent of the human principal, preventing unauthorized or runaway spending by autonomous agents.
How It Works
Mastercard Agent Pay introduces a "Verifiable Intent" layer between the agent and the payment. Before an agent can make a payment, the principal must sign a structured intent document specifying the allowed merchant categories, maximum transaction amount, time window, and geographic restrictions. This intent is cryptographically signed and stored on Mastercard's infrastructure.
When the agent initiates a payment, it presents the intent document along with the transaction details. Mastercard verifies that the transaction falls within the intent's constraints — if the amount exceeds the limit, the merchant category is not allowed, or the time window has expired, the payment is rejected.
This approach solves the "runaway agent" problem: even if an agent is compromised or malfunctions, it cannot spend beyond what the principal explicitly authorized. Every transaction is logged with a link back to the original intent document for audit purposes.
How SettleGrid Integrates
SettleGrid supports Mastercard Agent Pay intents as an authentication method. When an agent presents a Verifiable Intent token, SettleGrid validates it with Mastercard's infrastructure, checks that your tool's merchant category is allowed, verifies the spending limit, and processes the payment. Developers receive payouts through Stripe Connect as with all other protocols.
Key Specs
| Protocol | Mastercard Agent Pay — Mastercard Agent Pay |
| Backer | Mastercard |
| Detection Header | X-MC-Agent-Intent / Authorization: MCAP <intent> |
| Identity Type | mc-verifiable-intent |
| Payment Type | mastercard-authorization |
| Status | Pending |
Code Example
Here is how a developer's tool works with Mastercard Agent Pay via SettleGrid:
import { settlegrid } from '@settlegrid/mcp'
const sg = settlegrid.init({
toolSlug: 'financial-analysis',
pricing: {
defaultCostCents: 40,
methods: {
'market-summary': { costCents: 10 },
'portfolio-analysis': { costCents: 40 },
'risk-assessment': { costCents: 75 },
},
},
// Mastercard Agent Pay intents are verified automatically
})
const portfolioAnalysis = sg.wrap(async (args: { holdings: string[] }) => {
const analysis = await analyzePortfolio(args.holdings)
return { content: [{ type: 'text', text: JSON.stringify(analysis) }] }
}, { method: 'portfolio-analysis' })Start monetizing with SettleGrid
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