Worldline, ING and Mastercard have completed a live agentic payment transaction, demonstrating how an AI agent can assist consumers in initiating purchases.

The transaction took place between an ING cardholder and a merchant in the Netherlands, using infrastructure that operates across Belgium on the Mastercard network.

Under this system, a merchant’s AI agent searches for items within a predefined budget and presents a curated selection to the buyer.

The consumer remains directly involved and must give explicit approval before the purchase proceeds.

The AI assists with initiation, but it does not replace consumer authentication authority.

ING handles the authentication and authorisation using its established security mechanisms, while Worldline processes the payment across its issuing and acquiring platforms.

The companies stated the transaction proves that agentic commerce can function securely across European payment infrastructures while maintaining transparency for the issuing bank.

“Agentic commerce is no longer theoretical, it is production-ready today,”

said Madalena Cascais Tomé, Member of the Executive Committee at Worldline.

“For ING, this collaboration is the perfect opportunity to lay a solid foundation for our continued role as a trusted partner in an increasingly agentic future in banking.”

said Hans Overeem, Head of Payments, ING Netherlands.

The pilot establishes that the required technical workflows are ready for deployment, with the companies planning to explore future use cases such as recurring transactions and delegated purchases.

Featured image credit: Edited by Fintech News Switzerland, based on image by Worldline