# Agentic Commerce Protocol (ACP)

> An open interaction model and standard for AI agent–driven consumer purchases, co-developed by OpenAI and Stripe. Defines a checkout session lifecycle (create, update, complete, cancel) so agents can discover products, manage carts, and complete purchases on behalf of consumers with human approval at payment. Powers ChatGPT's Instant Checkout and is adopted by merchants including Etsy, Target, and Sephora. Still in beta as of September 2026.

> **Unverified draft.** This entry is seeded but not yet verified against primary sources.

## At a glance

| Field | Value |
| --- | --- |
| Name | ACP |
| Layer | payment-execution |
| Category | framework |
| Status | draft |
| Created by | OpenAI, Stripe |
| Launched | 2025-09 |
| Rails | cards, stablecoins |
| Settlement | Delegates settlement to existing payment providers (Stripe PaymentIntents, Shared Payment Tokens, or merchant-side processors); ACP governs the checkout session lifecycle. |
| Reversible | — |
| Human in loop | required |
| D2C fit | strong |
| B2B fit | moderate |
| Spec | https://github.com/agentic-commerce-protocol/agentic-commerce-protocol |
| Last verified | 2026-09-23 |

## Sources

_No sources yet — unverified draft._

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_Source: payful.ai — independent editorial reference. Verified 2026-09-23._