Mastercard Collaborates with Microsoft to Enable AI-Driven Shopping and Payments

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2025-04-29 17:46:02

Mastercard Inc. has forged partnerships with Microsoft Corp., IBM, and other AI leaders to introduce AI agents capable of online shopping and executing payments on behalf of users. The initiative, dubbed Mastercard Agent Pay, leverages AI assistants like Microsoft’s Copilot to streamline product discovery and checkout processes.

Shoppers can now delegate tasks to AI—such as searching for specific items like "a pair of yellow running shoes in size 9"—while retaining final approval over purchases. The system autonomously selects payment methods but requires user consent before completing transactions. This move signals Mastercard’s ambition to redefine commerce through embedded AI, though the announcement omitted further technical or rollout specifics.

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