Nexi, a European paytech, and Google Cloud have announced a MoU to develop infrastructure for next-generation digital commerce.

The collaboration focuses on agentic commerce, where AI agents navigate shopping journeys and execute secure payments on behalf of consumers, based solely on their explicit authorisation.

Nexi will also use Google Cloud technologies to improve operational efficiency across its platforms.

The MoU aims to combine Google Cloud’s AI and data capabilities with Nexi’s European payment network and acquiring expertise.

Nexi has committed to supporting open-source commerce standards, including the Universal Commerce Protocol (UCP) and Agent Payments Protocol (AP2), to enable AI-driven shopping journeys and payments.

The companies will explore agentic commerce while assessing ways to optimise Nexi’s operations, including real-time fraud detection and merchant onboarding, and creating a secure environment for converting digital intent into authorised transactions.

“We are entering an era where AI agents will increasingly orchestrate commerce on behalf of consumers, making it imperative for merchants to provide seamless, autonomous transaction experiences,”

said Roberto Catanzaro, Chief Business Officer, Merchant Solutions at Nexi.

“By endorsing the UCP and AP2 protocols alongside other leading payments and technology companies, we will help shape the European ecosystem for this transformational shift.”

Tara Brady, president of Google Cloud EMEA, added:

“As consumer journeys shift toward agentic commerce, trust and security become the primary currencies of the digital economy. Google Cloud is at the forefront of delivering secure, agentic AI technologies to the financial sector. With these capabilities, Nexi will accelerate innovation, optimise transaction workflows, and define the next generation of digital payments for the European market.”

The collaboration will enable AI agents to facilitate secure, authorised payments using cryptographically signed mandates and verifiable credentials.

It will integrate conversational sales channels to capture intent in real time. It will also provide a standardised and compliant European payment infrastructure.

The partnership will support Nexi in improving operational efficiency through AI-driven fraud detection. It will automate compliance processes and streamline merchant onboarding.

Additionally, it will enhance access to Nexi’s payment services for independent software vendors.

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