The future, working today · agentic demo
Let your AI assistant pay for you.
accept² is one account that connects your card and wallets to the assistants you already use: Siri, ChatGPT, Gemini, Claude, Copilot and Alexa. You set the limits; accept² checks every purchase and pays. Merchants switch on the same service to take orders from assistants.
The consumer's journey
Set it up once. Then just ask.
Enrollment happens once, in a few minutes. After that, every purchase is a sentence to an assistant. Pick a stage to see what you do, and what accept² does behind the scenes.
Discover
EnrollmentWhat you do
You see the offer in your card issuer's app: "Let your AI assistant pay with this card".
How it works
The issuer offers accept² to its cardholders. Nothing about the card changes: same number, same app, same rules.
Sign up
EnrollmentWhat you do
You create an accept² account and confirm on your phone that it's you.
How it works
accept² verifies you by phone and device, and protects the account with Face ID or your fingerprint.
Link card & wallets
EnrollmentWhat you do
You approve the link in your issuer's app, then pick the wallets that pay first and their order.
How it works
The issuer lets accept² request agent tokens for your card. Each wallet is connected with its own consent; accept² never stores your card number.
Set limits & connect assistants
EnrollmentWhat you do
You choose the limits and the approval threshold, then connect Siri, ChatGPT, Gemini, Claude, Copilot or Alexa, each with one tap on the phone.
How it works
Your limits become a mandate policy. Each assistant is registered as an agent with its own permission, which you can take back at any time.
Ask
Every purchaseWhat you do
You ask any connected assistant, in your own words: "Find the best noise-cancelling headphones under $300, and buy them."
How it works
The assistant searches the stores that publish their catalogue to assistants, and compares price, delivery and returns.
Approve, only if needed
Every purchaseWhat you do
Under your threshold you do nothing. Above it, the phone shows who wants to pay, how much and to which shop, and you approve with a glance.
How it works
accept² checks every purchase against your rules: the amount, the monthly total, the kind of shop. Then it signs a mandate for this one purchase.
Pay
Every purchaseWhat you do
Nothing to fill in. Your issuer confirms the payment on your phone, marked as an agent purchase.
How it works
accept² requests a one-time agent token from the card network, for one shop, one amount and a few minutes. Your wallets fund it first, the card pays the rest, and the merchant is paid as an ordinary card payment.
Track & manage
Every purchaseWhat you do
You see every agent purchase in accept²: which assistant, which shop, how it was funded. You can pause or disconnect any assistant.
How it works
Refunds go back to the card and then to the wallets that paid. If you ever dispute a purchase, the signed mandate is the evidence.
Enrollment: sign up, set limits and connect your assistants
Illustrative demo. Siri, ChatGPT, Gemini, Claude, Copilot and Alexa are trademarks of Apple, OpenAI, Google, Anthropic, Microsoft and Amazon, shown only as examples of assistants accept² would connect to; none of them is a partner. Isracard, Max and Cal are example issuers; shops, people, products and amounts are examples. Nothing leaves this page.
Demo · a real purchase, step by step
One purchase, seen from both sides
The same order twice: first as the shopper sees it on the phone, then as the merchant sees it in the store's dashboard. Press Play, or step through it.
Illustrative example: SoundHub, the order and the amounts are examples. The card token, mandate and funding show how accept² is designed to work.
How accept² compares
Everyone is building agent payments. Here's what we do differently.
The card networks, Google, OpenAI, PayPal and Amazon are all building ways for AI agents to pay. Here is where each one stands, as of September 2026.
| Who | Which assistants | What pays | The shopper's control | What the merchant needs | Status |
|---|---|---|---|---|---|
 accept2 | Any: Siri, ChatGPT, Gemini, Claude, Copilot, Alexa | The shopper's own card from their issuer, funded first by wallet balances: Bit, PayBox, PayPal and 700 more | One set of limits for every assistant: per purchase, per month, per kind of shop, and phone approval above a threshold | Nothing new: an ordinary card payment through the existing acquirer. An agent endpoint is optional | In development |
| Visa Intelligent Commerce | Agent platforms that integrate with Visa; a ChatGPT deal was announced in June 2026 | A Visa card, as a network token bound to the agent | Permissions and spend controls, confirmed with a passkey | Agent recognition (Trusted Agent Protocol); one integration for Intelligent Commerce Connect | Live transactions since Dec 2025; Connect in pilot |
| Mastercard Agent Pay | Registered agents (a Know Your Agent framework with Visa, Sep 2026) | A Mastercard card, as an agentic token | Payment passkeys and a Verifiable Intent record; revoked in the issuer's app | The existing card flow, with agent recognition | Live in the US; in Israel, a pilot with Bank Hapoalim and Isracard (Apr 2026), not open to the public |
| Google AP2 + UCP | Gemini and AI Mode in Search; an open protocol for others | Any payment method; Google Pay in Google's own apps | Signed intent, cart and payment mandates; every checkout is confirmed | An integration with the Universal Commerce Protocol | Live in the US |
| OpenAI + Stripe (ACP) | ChatGPT | Cards, through Stripe shared payment tokens | Confirmation in ChatGPT | A product feed; since March 2026 checkout is back on the merchant's own site (Instant Checkout was retired) | Product discovery live |
| PayPal Agent Ready | Perplexity, Copilot and other partners | The PayPal account: balance, bank or card | PayPal sign-in and buyer protection | Being a PayPal or Braintree merchant | Rolling out in 2026 |
| Amazon Alexa for Shopping | Alexa only | The shopper's Amazon payment method | The Amazon account | Nothing: the agent fills in the site's checkout | Live in the US |
| Startups: Skyfire, Nekuda, Crossmint, x402 | Agents built by developers | Prefunded agent wallets, virtual cards or stablecoins | Mandates and limits set through an SDK | Often a new endpoint or payment method | Early |
Wallet balances become spending money
Agent purchases are funded from Bit, PayBox, PayPal and hundreds of other wallets, through the card. No other player funds agent purchases from third-party wallet balances, and bit balances cannot be spent at merchants today.
Any assistant, one set of rules
Most offers pair one assistant with one payment company. accept² gives the shopper one consent and one set of limits across Siri, ChatGPT, Gemini, Claude, Copilot and Alexa.
Nothing new for the merchant's payments
Merchants are paid as an ordinary card payment through the acquirer they already have. Other routes ask them to adopt a new feed, protocol or payment provider.
Built for the issuer
The card stays in the issuer's app and rules, and every agent purchase is new volume on a card the issuer already issued. accept² doesn't put a new wallet between the shopper and the bank.
The shopper's whole rulebook
Per-purchase and monthly limits, allowed kinds of shops and a phone approval above a threshold, in one place, for every assistant.
Made for Israel first
Several issuers (Isracard, Max, Cal) and the local wallets bit and PayBox, which no global player targets. Locally there is so far a single-issuer pilot.
Built on the rails, not against them
accept² is designed to sit on top of what the networks and platforms are building: it would request Visa and Mastercard agent tokens for each purchase, carry signed mandates in the AP2 and Verifiable Intent formats, and appear as a payment option inside ChatGPT and Gemini checkouts. What it adds is the shopper's side: one account for every assistant, the issuer's card, wallet balances as funding, and one set of rules.
Sources
- Visa Trusted Agent Protocol
- Visa and partners: live AI transactions
- Mastercard Agent Pay
- Mastercard Verifiable Intent
- Know Your Agent framework (CNBC)
- First agent purchase in Israel (Maariv)
- Google AP2
- Google Universal Commerce Protocol
- OpenAI changes its checkout plans
- Stripe shared payment tokens
- PayPal agentic commerce services
- Amazon Alexa for Shopping
- Adyen Agentic
- Coinbase x402
Compiled from public announcements on 30 September 2026. Names are trademarks of their owners; details can change quickly.
What accept² runs behind it
One service, both sides of the purchase
For shoppers
- One sign-up, then connect any assistant with a tap on the phone
- Your card and wallet balances, funded by your rules
- Limits per purchase, per month and per shop; approval above your threshold
- Every agent purchase listed, and any assistant paused in one tap
For merchants
- Your catalogue and checkout published to the assistants through one agent endpoint
- Every agent order carries a verified mandate: this shopper allowed this assistant, amount and shop
- Paid as an ordinary card payment through your existing acquirer
- Refunds and disputes as with any card payment
For issuers
- The card stays in the issuer's app and rules
- Consent in the issuer's app when the card is linked
- Each payment tagged as an agent purchase, with the mandate attached
- Wallet balances fund card spend: new volume on cards you already issue
Ready for shoppers who send their assistant?
Issuers, wallets and merchants: we'll walk you through agentic payments with your own programme in mind.