The next generation of commerce
Backed by American Express
Amex’s Agentic Commerce Experiences (ACE)™ developer kit provides the capabilities to power agentic transactions and Card Member experiences.1
A new era of commerce is emerging, one in which AI-powered agents can find and book flights, make dinner reservations, purchase goods, refill inventory for businesses, and complete payments autonomously.
Amex is well positioned to enable trusted agentic commerce experiences because of our strong foundation – a longstanding commitment and track record of backing Card Members and Merchants, a global network, unique Membership assets, and a customer-focused approach to innovation.
Extending American Express’ legacy of trust, security, and service to power the next evolution of commerce
Trust & Security
Leverage American Express’ authorization and authentication capabilities to drive commerce with Amex verified agents.
Control & Oversight
Empower Card Members with spend and intent controls to manage their agentic transactions.
Closed-Loop Value
Serve the ecosystem, from consumers to merchants to issuers, while embedding differentiated Membership experiences for Card Members.
Amex's Agentic Commerce Experiences (ACE)™ developer kit is a suite of integrated services
Together, these services provide the building blocks to enable Amex-backed agentic commerce experiences and support interoperability across agentic commerce protocols and standards.
Identify (Agent Registration)
Ensure only verified AI agents are authorized to transact on the American Express network.
Activate (Account Enablement)
Allow Card Members to register their Cards with verified agents and link their accounts for personalized Membership experiences.
Contextualize (Intent Intelligence)
Ensure Card Member purchase intent is accurately captured to support authentication, authorization, and disputes.
Fulfill (Payment Credentials)
Enable verified AI agents complete payments on behalf of a Card Member leveraging tokenized credentials.
Enhance (Cart Context)
Leverage available cart-level details as contextual input to enhance validation, authorization decisions, and dispute investigations.
Account Enablement, Intent Intelligence, and Payment Credentials specifications are available as of 4/14/2026. Agent Registration and Cart Context specifications are still under development.
Amex Agent Purchase Protection™
The powerful backing of American Express™, extended to registered agent purchases
In the future, if a Card Member authorizes a registered AI agent to make a purchase, and that agent sends American Express the customer’s authenticated purchase intent, American Express will protect eligible customers from charges related to AI agent error.2 Coming soon, you will be able to view a full list of registered agents and more detailed information about Amex Agent Purchase Protection™.
American Express’ vision for agentic commerce imagines new possibilities for our Merchants and Card Members
We’re laying the foundation to back Merchants by:
- Issuing tokenized agentic payment credentials only to verified agents.
- Verifying Card Member’s approval of purchase intent for agentic transactions.
- Leveraging rich data signals for authorization and efficient dispute resolution.
We're building a future of commerce where:
- Card Members are in control and verified AI agents transact only after explicit approval of a purchase intent.
- Card Members can manage spend controls and active purchase intents directly in the American Express® App.
- American Express Membership, including benefits, rewards, and premium service, can be seamlessly embedded in agentic commerce experiences.
Illustrative demo for conceptual purposes only. Features shown are under development, subject to change, and may vary by market.
Advancing agentic commerce experiences with support from:
Insights to explore
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- This site includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are subject to risks and uncertainties. The forward-looking statements, which include American Express’ plans for launching new and enhanced services, capabilities and customer protections and advancing agentic commerce experiences with partners, among other matters, contain words such as “expect,” “intend,” “plan,” “aim,” “will,” “may,” “should,” “could,” “would,” “continue,” and similar expressions. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. Actual results may differ from those set forth in the forward-looking statements due to a variety of factors, including those described in American Express’ Annual Report on Form 10-K for the year ended December 31, 2025 and its other reports filed with the SEC. American Express undertakes no obligation to update or revise any forward looking statements.
- Amex Agent Purchase Protection Terms
- U.S. Credit Cards issued by American Express National Bank and American Express Travel Related Services Company, Inc.
- Agent must be registered with American Express and integrated with the Amex Agentic Commerce Experiences developer kit.
- American Express must receive the Card Member-authenticated purchase intent from the agent.
- Eligible agent errors include transactions where the purchase deviates from the Card Member-authenticated purchase intent.
- Amex Agent Purchase Protection is available for eligible charges only after the Card Member has initiated a return (where possible) with the merchant following an eligible agent error.
- Eligible charges include the full transaction amount and other reasonable charges directly incurred by a Card Member as a result of eligible agent errors.
- Claims are subject to review and verification and may not be available in some cases, including where purchase intent is subjective or non-verifiable (e.g. “best” or “really nice”) or if a claim is fraudulent.
- Amex Agent Purchase Protection is in addition to ordinary course dispute resolution processes that are available to Card Members.
- American Express reserves the right to modify these terms, including the ability to suspend or limit agent-based purchases, at any time. Full terms and conditions will be made available in the future.