OnePay, the fintech arm majority-owned by Walmart, has signed on to Google’s Agent Payments Protocol (AP2), underscoring the broader push by major retailers to build infrastructure for AI-driven commerce.
The move positions OnePay as a credential provider within AP2, a framework Google introduced to standardize how AI agents can securely handle payments on behalf of users. As autonomous assistants increasingly take on tasks like shopping and travel booking, payments mechanisms that respect user intent and controls have become a key industry focus.
OnePay said its work will include supporting “user-defined constraints like spending limits, merchant rules, and reuse controls,” as well as secure access to cards, bank accounts and digital wallets. It also plans to provide agents with “normalized, comparable financing choices” such as installments or “Buy Now, Pay Later” options.
“As AI begins handling more of the everyday work in commerce, consumers deserve a payments infrastructure that is fast, trustworthy, and aligned with their intent,” said Moe Matar, chief technology officer at OnePay.
Walmart’s interest in agentic commerce extends beyond the payments layer. Earlier in 2025 the retail giant announced a partnership with OpenAI to embed AI-driven shopping experiences directly into ChatGPT, enabling customers to browse and check out within conversational interfaces. That initiative exemplifies the company’s broader strategy to make retail transactions more proactive and less reliant on traditional search-and-click e-commerce flows.
OnePay’s involvement in AP2 highlights how retailers and their financial services subsidiaries are increasingly focused on foundational pieces of the agentic commerce stack, including credential management, financing options, merchant discovery and checkout protocols. For automation technology providers and enterprise implementers, these developments signal a growing intersection of AI agents with core payment and transaction systems.
