PayOS, Mastercard Complete First AI Payment

PayOS and Mastercard announced Monday (Sept. 29) that they have completed the first live agentic payment using a Mastercard Agentic Token, a milestone that shifts agentic commerce from theory to practice and shows how AI agents could begin to transform the way payments are authorized, secured and scaled.

Building the Trust Layer for Agentic Payments

The demonstration was powered by Mastercard Agent Pay, a framework built on the same network tokenization infrastructure that underpins mobile contactless payments, card-on-file storage, and Mastercard Payment Passkeys. By extending those rails, the system enables AI agents to initiate payments while still enforcing user consent, authentication and fraud protection what Mastercard calls the “trust layer” for agentic commerce.

“Mastercard is building a secure, transparent and interoperable agentic ecosystem for digital commerce,” said Pablo Fourez, Mastercard’s Chief Digital Officer. “We’re defining the trust layer using tokenized credentials across our global payments network today, while also preparing for a future where the internet itself is rewired to support agentic commerce more natively.”

For PayOS, the transaction marks a pivot from testing to commercialization. “With this milestone, we are now ready to onboard customers on our platform,” said Johnathan McGowan, co-founder and CEO of PayOS. “We also bring proven tools and the expertise required for payments risk, payments fraud prevention, and creating better user experiences.”

PayOS said its platform integrates network-issued tokens that enable AI-driven checkout, value-added services that support fraud prevention and user experience, and payments infrastructure designed to handle monetization, bill payments, and advanced processing. The company is now onboarding both agentic and traditional customers who want to leverage secure tokenization and intelligent payment services.The milestone also highlights how card networks are moving beyond security into orchestration for the agentic era. As PYMNTS has noted, tokenization is becoming a foundational strategy for digital payments not just securing transactions, but enabling smarter commerce flows.

The announcement underscores a broader shift as agentic payments move from pilot to live deployment. With Mastercard extending its tokenization framework to support AI-driven transactions and PayOS among the first to adopt it, the foundations for scaling agentic commerce are beginning to emerge.

As PYMNTS has reported, agentic AI is evolving from experiment to foundational infrastructure, with autonomous agents beginning to turn prompts into purchases without intermediaries. If the security and trust models hold up in practice, agentic payments could quickly become a competitive differentiator for merchants, issuers, and platforms aiming to embed autonomy into digital transactions.