Revolut Pay Integrates with Google AP2 as Agentic Commerce Accelerates

Revolut has taken another step into the emerging world of agentic commerce, announcing that Revolut Pay is now compatible with Google’s Agent Payments Protocol (AP2). The integration makes Revolut Pay one of the first European payment methods designed to support AI-initiated transactions across agent-driven commerce platforms in the UK and the European Economic Area (EEA).

Google’s AP2 is designed to enable secure, consent-based payments within AI-powered environments, allowing transactions to be completed directly inside conversational interfaces without redirecting users to traditional checkout pages. With this integration, Revolut Pay aims to support use cases where AI assistants handle product discovery, checkout, and payment confirmation on behalf of users, while maintaining compliance with security and regulatory requirements.

According to Revolut, the move reflects a broader shift toward intent-driven and conversational commerce, where payments become an embedded part of AI-assisted user journeys rather than a separate, manual step. By supporting AP2, Revolut positions itself to play a central role in future checkout experiences powered by AI agents.

Revolut’s announcement comes amid growing momentum across the payments industry. In China, Alipay recently launched an Open Agentic Commerce Protocol in collaboration with the Qwen App and Taobao Instant Commerce, aiming to create a common framework that allows AI agents to interact securely with merchants and service platforms. In Europe, Worldline has demonstrated AI-driven capabilities designed to support agent-led shopping journeys, including advanced routing, fraud management, and orchestration tools for merchants.

Global card networks are also stepping up their efforts. Visa has expanded its agentic commerce strategy through partnerships with Fiserv and AWS, focusing on scalable cloud infrastructure that enables AI systems to initiate and manage payments securely. Meanwhile, India has extended AI-powered UPI commerce payments to leading conversational AI platforms, marking one of the first large-scale deployments of agent-initiated payments within a real-time domestic payment system.

At the heart of these developments is a growing ecosystem of agent-specific payment protocols, intended to standardise how AI agents authenticate users, obtain consent, and execute transactions across platforms. Industry participants argue that shared standards are critical to avoid fragmented integrations and to build trust, interoperability, and security at scale.

Despite the rapid technical progress, consumer trust remains a key challenge. Research and industry feedback indicate that many users are still reluctant to let AI systems shop or pay on their behalf, citing concerns around loss of control, unclear consent mechanisms, and accountability when errors occur. These concerns were recently amplified by public criticism of an Amazon AI tool, following reports of inaccurate or unauthorised product listings that raised questions about oversight and responsibility in AI-driven commerce.

As agentic commerce edges closer to mainstream adoption, payment providers and platforms will need to balance speed and convenience with strong safeguards, transparent user controls, and trust-building measures. Revolut Pay’s integration with Google’s Agent Payments Protocol marks meaningful progress—but widespread acceptance will depend as much on consumer confidence as on technological readiness.

Source: PaySpace Magazine