Agentic Commerce explained simply, the complete 6 layer protocol stack in 3 slides

In this episode of RetailPayment.io, we look at the technical architecture behind Agentic Commerce, and explain how an AI agent can search for products, select them, buy them and pay for them on behalf of a user.

At the center of the episode is the complete 6 layer Agentic Commerce Protocol Stack. Step by step, we explain how the individual layers work together, from user intent and AI agent, through MCP as the transport layer, UCP and ACP as commerce protocols, AP2 as the payment authorization layer, all the way to Mastercard Agent Pay, Visa Intelligent Commerce Connect, settlement, fulfillment and compliance.

Agentic Commerce may look complex at first, but it becomes much easier to understand when the architecture is viewed in a modular way. Each layer has a clearly defined role. This creates a structured view of the full interaction between AI agents, commerce protocols, payment authorization and payment processing.

A key focus of this episode is the complete transaction flow. From the initial user request, for example “Buy running shoes under 150 euros”, through product search, capability negotiation, checkout initiation and cryptographic authorization, all the way to payment processing and delivery, the full flow is explained in a clear and practical way.

The episode also compares Mastercard Agent Pay and Visa Intelligent Commerce Connect. While Mastercard focuses strongly on trust, auditability, agentic tokens and Know Your Agent, Visa focuses on openness, scalability, protocol neutrality and maximum market reach.

This episode shows why merchants, payment service providers, banks and technology providers should not view Agentic Commerce only as a future trend, but as a concrete architecture they can already start preparing for today.

Further Topics in This Episode

• What Agentic Commerce means from a technical perspective
• The complete 6 layer protocol stack
• MCP as the connectivity and transport layer
• UCP, ACP and merchant APIs in the commerce layer
• AP2 as the foundation for cryptographic authorization
• Mastercard Agent Pay and Visa Intelligent Commerce Connect compared
• How an Agentic Commerce transaction works step by step
• Why Agentic Commerce is modular and therefore easier to understand
• What merchants need to do to become Agentic Commerce Ready
• Why PSPs need to understand every layer of the stack

Listen now and learn how Agentic Commerce really works, why the protocol stack is the key to understanding it, and how AI agents will be able to shop and pay securely, transparently and at scale in the future.

Hashtags

#RetailPayment #AgenticCommerce #AICommerce #Payment #DigitalPayment #MCP #UCP #AP2 #MastercardAgentPay #VisaIntelligentCommerce #PaymentInnovation #PaymentTechnology #CommerceProtocol #AIAgents #ArtificialIntelligence #Fintech #ECommerce #RetailTech #PaymentProcessing #PSP #MerchantServices #FutureOfCommerce #AgenticAI #ProtocolStack

Links:

Retail Payment Podcast

https://retailpayment.io/

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