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Agentic Commerce Experiences Developer Kit

ACE enables Agentic Commerce ranging from human-present to autonomous transactions, with robust controls that benefit merchants and Card Members.

Bringing the powerful backing of American Express to Agentic Commerce The American Express® Agentic Commerce Experiences (ACE) Developer Kit enables AI-powered payments and contextual membership experiences. Last Updated: April 10, 2026

ACE is a robust framework designed to enable Agentic Commerce at scale.

Highlights

Trust & Security

Enable Agentic Commerce with registered agents by leveraging tokenization, passkey authentication, and rich data signals to enhance authorization decisions and reduce chargebacks.

Control & Servicing

Deliver world-class servicing via the American Express application and participating Issuer applications, with built-in intent management and spend controls for Card Members.

Flexible Integration

Integrate seamlessly across the ecosystem, supporting existing and emerging protocols, while offering flexible integration models based on each participant’s role in the transaction flow.

Personalization

Unlock personalized membership experiences, embedded directly within Agentic surfaces, enabling Issuers to present dynamic financing options, suggested cards, offers, rewards, and benefits.

Use cases

Use case 1

Human-in-the-loop purchases: The Card Member instructs the Agent to prepare a cart, which is explicitly approved by the Card Member before the transaction is executed by the Agent.

Use case 2

No human-in-the-loop (autonomous) purchases: The Card Member explicitly approves the intent in advance, delegating authority to the Agent to execute the transaction once the defined intent criteria are met.

Benefits

Control

Stay in control of purchases by explicitly approving a structured intent before authorizing an agent to act on your behalf.

Oversight

Manage agents, intents, and spend controls in one place, with clear visibility into how approved intents tie to Card purchases, all within the American Express application and supported issuer applications.

Personalization

Link your American Express Account to participating third-party agents and access membership benefits, rewards, and offers contextually embedded directly into Agentic experiences.

Eligibility to view American Express ACE materials is contingent upon the submission of required developer information and execution of a confidentiality agreement with American Express. Eligibility for ACE registration onboarding is contingent upon the submission of developer’s application, and the approval and execution of an agreement with American Express. Submission of an application does not constitute or imply any guarantee of approval for developer registration by American Express. ACE materials are provided “as is” and are subject to change without notice. Some specifications and services listed above may be under development and unavailable. Neither American Express, nor any of its directors, officers, employees, agents, representatives, or advisors, makes any express or implied representation or warranty as to the accuracy, completeness, or reliability of the information, including any projections, estimates, or forward-looking statements in the ACE materials.

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