Agentic Payments Protocol Comparator & Field Crosswalk

The agentic-commerce field is fragmenting into card-network, platform, and crypto camps that all overlap. This tool puts AP2, the Agentic Commerce Protocol (Shared Payment Token), x402, Visa Trusted Agent Protocol, and Mastercard Agent Pay side by side across credential model, what is signed, scope binding, settlement rail, identity substrate, and audit trail — plus a field crosswalk and a scenario recommender.

⚠ These specifications version monthly and figures vary across sources. Reference data here is a June 2026 snapshot for orientation, not authoritative spec text. Re-verify against each protocol's primary source (linked in the output) before designing against it.

AP2 · ACP · x402 Visa TAP · MC Agent Pay Zero PII Client-Side · No Network

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. This is an orientation/comparison tool over a static reference snapshot — it does not transact, validate live payloads, or endorse any protocol. Confirm every field against the cited primary source. Deterministic · zero PII · CC BY 4.0.

▸ Protocols to compare

Toggle the protocols to include in the matrix and crosswalk. All five are selected by default.

▸ Scenario Recommender (optional)

Pick a use case to get a deterministic, rule-based fit suggestion (with rationale and caveats).