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Google Releases AP2 as a Building Block for Secure, Auditable Agentic Commerce Transactions

Publisher IDC
Published Nov 05, 2025
Length 6 Pages
SKU # IDC20539987

Description

This IDC Market Note looks at Google's release of Agent Payment Protocol (AP2) as a building block for secure, auditable agentic commerce transactions. Agentic AI is beginning to erode the core assumptions of digital commerce by removing the traditional reliance on user-driven authorization, authenticity, and accountability. Google's AP2 seeks to address this shift by introducing mandates (cryptographically signed instructions that let users or their agents execute transactions under specified conditions). AP2 raises new questions about fraud, liability, token management, and compliance, requiring banks and merchants to adapt processes for agent-initiated transactions across diverse payment schemes. For retailers, the opportunity lies in agentic shopping experiences that enhance discovery, but agent-driven payments risk disrupting end-to-end customer journeys and loyalty strategies.

Table of Contents

6 Pages

Executive Snapshot

In This Market Note

Agentic AI Disrupts the Core Assumptions of Digital Commerce

Google Introduces AP2 to Standardize Agentic Transactions

IDC's Point of View

Implications for Commerce Platforms

Implications for Payments

Implications for Retailers

Key Takeaways

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