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# Agentic Commerce Experiences Developer Kit

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

#### Card Members

**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.

#### Merchants

**Verification**

Conduct business with confidence, knowing that only the agents registered by American Express can receive Agentic payment credentials to act on behalf of eligible American Express Card Members.

**Assurance**

Rely on explicit Card Member purchase approval with cryptographically-signed and auditable evidence of a delegated purchase intent.

**Protection**

Benefit from reduced risk and improved authorization and dispute outcomes driven by rich transaction data and risk signals intended to prevent fraud and address emerging agent risks.

#### Network Participants

**Interoperability**

Build interoperable integrations with support for emerging Agentic Commerce protocols and standards.

**Visibility**

Share data with issuers and the American Express network to monitor, manage, and mitigate fraud and Agentic risk.

**Security**

Leverage strong authentication and scoped, tokenized payment credentials, designed for pass-through agent-executed payments.

#### Terms and conditions

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.

> **Note**
>
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