OpenAI’s Agentic Commerce Protocol (ACP), launched September 2025 with Stripe, was the first major protocol to enable AI-driven purchasing at scale—turning ChatGPT’s 810 million daily users into a commerce platform.
Unlike UCP’s full-journey approach, ACP focuses specifically on checkout and transaction flows: payment processing and transaction completion. Discovery and cart management happen within ChatGPT’s conversational interface. Post-purchase handled by merchants.
Technical Architecture
Stripe Infrastructure: Built on battle-tested payment rails with existing merchant accounts and global coverage. Delegated Tokens: Users grant agents limited spending authority through single-use, time-bound, amount-restricted tokens. Centralized Listing: Merchants list via Shopify, OpenAI curates and surfaces products.
Partners & Monetization
Core partners: OpenAI (810M users) + Stripe (payments) + Shopify (merchants). Retail partners: Etsy, Instacart, Target, Booking.com + full Shopify network. Monetization: Transaction fees. On a $100 purchase, OpenAI takes a small percentage, merchant receives $97+.
ACP’s bet: 810 million daily users is the distribution. Stripe infrastructure is the trust. Transaction fees fund AI’s future. Every purchase completed in ChatGPT generates revenue that funds compute.
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.
