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AI-Agent Payments Explained: Mastercard Agent Pay, AP2 and x402

The Defiant·October 23, 2026·1 min read
AI-Agent Payments Explained: Mastercard Agent Pay, AP2 and x402

AI-agent payments are evolving: AP2 records spending authority, while x402 carries payment requests. Mastercard's machine-payment pilot shows why a signed voucher and final settlement are different steps. This distinction is key for automated transactions, ensuring proper authorization and settlement in the growing AI-agent economy.

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