Worldpay Launches AI-Driven Open Protocol

Worldpay has unveiled a new publicly available protocol aimed at enabling commerce conducted by AI agents acting on behalf of consumers.

This “developer-first” approach is key to making AI integration less complex for banks and financial institutions, aiding them as they adapt to a future where AI payment transactions are increasingly commonplace.

The payment-processing firm announced that the protocol — known as Worldpay Model Context Protocol (MCP) — is now accessible via its Developer Hub and on GitHub.

The major benefit of this particular feature is that developers and merchants may download, adapt, and deploy the protocol free of charge, with no licensing fees or proprietary restrictions.

This launch comes as demand grows for what the company describes as “agentic commerce”, in which AI assistants perform any number of shopping tasks, from browsing to checkout, on behalf of end-users.

Worldpay MCP is designed to integrate directly with its global payment APIs, with the intention of providing merchants with a secure, resilient pathway for AI-driven transactions. The firm’s extensive global infrastructure allows developers to test and refine AI agents in a controlled, real-time environment.

Research from Worldpay suggests that 44% of US consumers would be willing to use an AI bot to shop for them. The new Worldpay MCP protocol enables those AI agents to interface directly with Worldpay’s payment APIs, streamlining checkout and payment flows.

According to Worldpay’s Chief Product Officer Cindy Turner, the move provides merchants and developers with an opportunity to experiment with AI-enabled commerce in a controlled, secure environment, while leveraging Worldpay’s global payment infrastructure.