Mastercard adds AI-agent probability score to Agent Pay

On September 30 Mastercard added trust and intelligence services to Agent Pay, its agentic payments program. The first service, now testing with U.S. issuers, scores the probability that a transaction was initiated by an AI agent so banks can approve legitimate agent-led purchases instead of declining them, though it does not identify which agent or whether the merchant is legitimate.

• Agent probability score is in testing with U.S. card issuers
• Service aims to stop banks declining legitimate agent purchases
• Score does not reveal which agent acted or if it is trustworthy
• Author proposes agent identity checks via RFC 9421 signatures and Ed25519 keys