Mastercard has completed live end-to-end agent-initiated payment transactions across Latin America and the Caribbean, demonstrating how AI agents can securely execute purchases on behalf of consumers.
The transactions were conducted using Mastercard’s Agent Pay infrastructure and represent one of the first real-world implementations of “agentic commerce”, where AI systems can search for products and complete payments with full customer authorization.
The purchases were executed in controlled environments using debit and credit cards across Mastercard’s existing payments network. Items bought included groceries, books, beauty products and digital goods, showing how the technology could support both everyday and digital transactions.
Participating issuers and processors included BAC, Banco de la Nación Argentina, Banco Falabella, Banco Galicia, Banco Itaú, Banco Ripley, Banco Security de BICE, Bancolombia, Banamex, Cencosud-Scotiabank, Davivienda, Dock, Evertec, Oriental Bank, Pomelo, Santander and ueno bank.
The transactions demonstrate that agent-driven payments can operate on existing card infrastructure without requiring new rails or payment credentials. All payments were fully authorized with cardholder consent, and all parties in the transaction flow could clearly identify that an AI agent had initiated the purchase.
Mastercard’s Agent Pay framework supports these transactions through technologies such as agentic tokens, which protect payment credentials with dynamic cryptographic data, biometric authentication through payment passkeys and full transaction traceability for fraud monitoring and dispute resolution.
The system also incorporates Mastercard’s Verifiable Intent framework, designed to create a tamper-resistant record of what a cardholder authorized when an AI agent acts on their behalf. This provides a shared source of truth for consumers, merchants and financial institutions if a transaction needs to be reviewed.
Andrea Scerch, President of Mastercard Latin America and the Caribbean, said, “Agentic payments represent a fundamental shift in how commerce is initiated and executed. Building on early momentum in the region, we are now seeing agentic payments move from concept to reality across Latin America, with partners actively executing transactions in live environments. This isn’t a lab exercise or a future roadmap – these are real transactions happening today on our network.”
Mastercard said the region is well positioned for agent-initiated commerce because nearly all issuers across Latin America already support the company’s tokenization infrastructure. This foundation allows AI-driven payments to be introduced without major changes to existing payment systems.
The company plans to expand the initiative by onboarding additional issuers and partners across the region while continuing to test new use cases for AI-driven commerce.
