The most consequential AI development of 2025 was not a new model – it was infrastructure for AI agents to complete purchases on behalf of users. Two competing protocols are shaping this future: OpenAI’s Agentic Commerce Protocol (ACP) and Google’s Agent Payments Protocol (AP2). The winner determines who controls the transactional web.
OpenAI’s ACP: Launched September 2025 with Instant Checkout in ChatGPT. Open-sourced under Apache 2.0 license. Built with Stripe for payment processing. Starting with US Etsy sellers, expanding to 1M+ Shopify merchants including Glossier, SKIMS, Spanx, and Vuori. ChatGPT-referred traffic converts at 11.4% – nearly double the 10.2% rate of direct visits.
Google’s AP2: Launched September 2025 with 60+ partners. Backed by Mastercard, PayPal, American Express, Coinbase, and Salesforce. Uses cryptographically signed “mandates” for authorization. Payment-agnostic – works with cards, banks, and stablecoins. Designed to work with A2A (Agent-to-Agent) and MCP (Model Context Protocol).
Framework Analysis
This is not just about checkout buttons. These protocols determine who controls discovery (if purchases happen inside ChatGPT, Google loses its search monopoly on commerce), who captures transaction fees (OpenAI is taking fees on completed purchases – a new revenue stream), who owns the customer relationship, and who sets the ecosystem rules.
The Agentic AI Stack is crystallizing around these protocols. Discovery Layer (Agent Experience Optimization) leads to Entity Layer (Product Feed) leads to State Layer (Checkout Spec) leads to Trust Layer (Delegated Payment). Whoever controls the protocol controls the stack.
Strategic Implications
Short-term (2026): Merchants will need to support both ACP and AP2 simultaneously. Attribution becomes nearly impossible as transactions flow across distributed agents. Early adopters gain disproportionate visibility in AI agent selection. Google’s dual strategy – proprietary AI Mode plus open AP2 – positions them regardless of which approach wins.
Medium-term (2027-2028): One protocol emerges as dominant standard. Zero-click commerce becomes reality – the “Visit Website” button disappears. The web becomes machine-actionable rather than human-readable.
The Deeper Pattern
Protocol wars determine platform winners. HTTP defined the web. TCP/IP defined networking. The agentic commerce protocol that wins will define how AI transacts on behalf of humans – and who captures value from those transactions.
Key Takeaway
ACP versus AP2 is the defining infrastructure battle of 2026. The winning protocol will control discovery, transaction fees, customer relationships, and ecosystem rules for agentic commerce.
Gennaro is the creator of FourWeekMBA, which reached about four million business people, comprising C-level executives, investors, analysts, product managers, and aspiring digital entrepreneurs in 2022 alone | He is also Director of Sales for a high-tech scaleup in the AI Industry | In 2012, Gennaro earned an International MBA with emphasis on Corporate Finance and Business Strategy.
