What is the Agentic Commerce Protocol?

The Agentic Commerce Protocol (ACP) is an open standard co-developed by OpenAI and Stripe that enables AI agents to complete commercial transactions on behalf of users. It consists of three specifications: Product Feed, Agentic Checkout, and Delegated Payment.

Yes, the protocol specification is free and open source (Apache 2.0). Standard payment processing fees apply when using Stripe for payments.

Do merchants keep their customer relationships with ACP?

Yes, merchants remain the merchant of record and keep full control over customer relationships, including customer data, emails, and support.

How are payments secured in ACP?

ACP uses Shared Payment Tokens (SPTs) that are merchant-specific, amount-limited, time-limited, and single-use. The AI agent never sees actual payment credentials.

Which AI assistants support ACP?

ChatGPT supports ACP via its Instant Checkout feature. As an open standard, any AI platform can implement ACP support.

Stripe Agent Toolkit

The Stripe Agent Toolkit provides the fastest path to ACP integration.

🚀

Go from zero to production in hours, not weeks.

Overview

The Agent Toolkit handles:

Checkout session management
Payment token validation
Request signature verification
Order webhook delivery

Installation


npm install @stripe/agent-toolkit stripe

Quick Setup

Configure Stripe


import Stripe from 'stripe';
import { AgentToolkit } from '@stripe/agent-toolkit';
 
const stripe = new Stripe(process.env.STRIPE_SECRET_KEY!, {
  apiVersion: '2024-12-18.acacia',
});

Initialize Toolkit


const toolkit = new AgentToolkit({
  stripe,
  configuration: {
    actions: {
      paymentLinks: { create: true },
      products: { list: true, read: true },
      prices: { list: true, read: true },
    }
  }
});

Mount Routes


import express from 'express';
 
const app = express();
app.use('/acp', toolkit.expressMiddleware());
 
app.listen(3000);

Configuration Options


const toolkit = new AgentToolkit({
  stripe,
  configuration: {
    // Enable specific actions
    actions: {
      paymentLinks: { create: true },
      products: { list: true, read: true },
      prices: { list: true, read: true },
      customers: { create: true, read: true },
    },
    // Custom context
    context: 'You are a helpful shopping assistant...',
  }
});

Available Actions

Action	Description
`products.list`	List available products
`products.read`	Get product details
`prices.list`	List product prices
`prices.read`	Get price details
`paymentLinks.create`	Create checkout links
`customers.create`	Create customer records

Framework Integration

Express


app.use('/acp', toolkit.expressMiddleware());

Next.js API Routes


// pages/api/acp/[...path].ts
import { toolkit } from '@/lib/stripe';
 
export default function handler(req, res) {
  return toolkit.nextApiHandler(req, res);
}

Vercel AI SDK


import { openai } from '@ai-sdk/openai';
import { generateText } from 'ai';
 
const result = await generateText({
  model: openai('gpt-4o'),
  tools: toolkit.getTools(),
  prompt: 'Help me buy a new laptop',
});

Product Catalog Sync

The toolkit can sync with your Stripe product catalog:


// Products created in Stripe Dashboard
// are automatically available to agents
 
const products = await stripe.products.list({
  active: true,
  limit: 100,
});

Handling Webhooks


// Webhook endpoint for order notifications
app.post('/webhooks/stripe', express.raw({ type: 'application/json' }), async (req, res) => {
  const sig = req.headers['stripe-signature'];
 
  const event = stripe.webhooks.constructEvent(
    req.body,
    sig,
    process.env.WEBHOOK_SECRET!
  );
 
  switch (event.type) {
    case 'checkout.session.completed':
      await handleOrder(event.data.object);
      break;
  }
 
  res.json({ received: true });
});

Best Practices

Use Test Mode First: Develop with sk_test_ keys
Secure Secrets: Store API keys in environment variables
Enable Logging: Monitor agent interactions
Set Rate Limits: Protect against abuse