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The card company added that it will work with acquirers clearly confirms the purchase through a conversa-
and checkout players like Braintree and Checkout.com to tional interface, and authenticates the purchase by
enhance existing tokenization capabilities that are being logging into their PayPal account.
used with merchants to deliver safe, transparent agentic
payments. • Intelligent invoice handling: For example, an AI
assistant could generate a PayPal invoice based on
By identifying and validating a customer using Master- details of a service provided and email it to the cli-
card's tokenization technology, a retailer could offer a ent, PayPal explained in a briefing paper.
meaningful and consistent shopping experience, layering
on relevant personalized benefits, such as recommended • Streamlined subscription management: Agentic
products, rewards, discounts and free delivery. AI can be used to manage an entire subscription
lifecycle, from creating new products, subscription
Mastercard is working with Microsoft to integrate Micro- plans and processing recurring payments through
soft's leading AI technologies, including Microsoft Azure PayPal.
Open AI service and Mastercard Copilot Studio, with
Mastercard payment solutions The consultancy McKinsey & Co. recently opined that
AI has the potential to be as transformative as the steam
"Mastercard is transforming the way the world pays for engine was to the Industrial Revolution. But we are only at
the better by anticipating consumer needs on the hori- the very beginning. While nearly all companies invest in
zon," said Jorn Lambert, chief product officer at Master- AI, just 1 percent believe they are at maturity. Will agentic
card. "Recognizing the seismic implications of this evolu- AI in commerce change this outlook? It remains to be
tion, we are keen to collaborate with industry players to seen.
advance the advance standards for agentic payments, such
as applying model context protocol to secure remote com- Patti Murphy is senior editor at Green Sheet and president of ProScribes
merce. This lays the foundation for scale and build trust in Ink, www.proscribes.net. You can also follow her blog, Today in
agentic commerce." Payments, at Todayinpayments.com, and her podcast, Merchant Sales
Podcast, co-hosted with James Shepherd at www.ccsalespro.com/
Consumers will have complete control over what the
agent is allowed to purchase on their behalf, Mastercard
noted.
Both Mastercard and Visa are using tokenization tech- Payments is our Business
nology. This enables payments to be initiated through
conversational interfaces and conducted at the millions
of merchants of all sizes supporting online commerce. • Expert Witness Consulting Testimony
Mastercard, in a press release, said it will protect against • Experience in Criminal & Civil cases
fraud and support consumer disputes with "best-in-class" • Payment Facilitation
cyber, security, and authentication capabilities to protect • RFP services
merchants and consumers from bad actors, end-to-end.
• Integrated Payments
PayPal agent toolkits • Least Cost Routing

PayPal is taking a different approach than Visa and Mas- • Card Network Rules
tercard. It introduced PayPal Agent Toolkit to help devel- • Payment Gateways
opers seamlessly integrate PayPal's comprehensive suite • Processor Selection
of APIs – including those for managing payments, invoic-
es, disputes, shipment tracking, catalog, subscriptions, re- • 'Hard to Place Merchants'
porting and insights – into various AI frameworks.
Let us demonstrate how our our Experience
The toolkit is a library designed to simplify the integration and Knowledge can work for you!
of PayPal's core commerce functionalities into AI agent
workflows. The idea, PayPal stated, is to empower Napa Payments and Consulting
businesses with their own agents "facilitating seamless
connections to PayPal services for process workflows and
task generation for use cases." These include: (707)601-7656
• Order management and shipment tracking: Devel-
opers could design a customer service agent to use kenm@napapaymentsandconsulting.com
the toolkit to process an order and pay for it using
PayPal with buyer authentication. For example, an napapaymentsandconsulting.com
agent could create an order in PayPal when a user

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