IDEMIA Secure Transactions opens agentic commerce to all networks
IDEMIA Secure Transactions (IST), the payment-technology arm of the Paris-based IDEMIA Group, has launched an Agentic Commerce solution designed to extend AI-agent-driven checkout to domestic payment schemes, regional networks and private-label card issuers. The move directly addresses a structural risk that has been quietly building inside the payments industry: as AI agents assume the role of shopper, the infrastructure layer controlling which card or network gets selected at checkout is becoming a new locus of competitive power.
The scale of what is at stake is not small. Juniper Research forecasts agentic commerce will generate $1.5 trillion globally by 2030, while McKinsey estimates AI agents could drive between $3 trillion and $5 trillion in total consumer transaction value over the same period. Both projections carry the uncertainty typical of early-stage market sizing, but the directional consensus is clear: automated purchasing is arriving fast, and whoever owns the trust layer owns the rail.
What IST has built
IST's solution assembles four capabilities into a single stack. Agent-ready tokenisation releases payment credentials only after verified consumer consent, keeping issuers and networks in the approval path rather than delegating that decision to an AI agent or a merchant. Passkey-based FIDO2 authentication handles secure enrolment and payment confirmation. Restricted-use tokens can be scoped by merchant, spend category, amount ceiling or time window, so an agent cannot transact outside the terms a cardholder has explicitly set. Finally, verifiable proof of consent creates a durable audit trail that can be produced in a dispute months later, even if the original agent instance no longer exists.
The last point matters more than it might appear. Current dispute-resolution frameworks were designed around a cardholder who was present at the moment of purchase. An autonomous agent that has since been decommissioned, updated or migrated creates evidentiary gaps that existing chargeback processes were never built to handle. IST's consent-capture architecture is a direct attempt to make AI-initiated payments legible to the legacy dispute infrastructure that banks and card networks still run.
"Domestic and regional schemes, private-label and co-branded card issuers can now take part in this new era of commerce on their own terms, with trust and control for the consumers," said Anastasia Serikova, EVP of Digital Payments Solutions at IDEMIA Secure Transactions.
The convergence read-across
The strategic stakes extend well beyond the payments industry. The emergence of agentic checkout is the point at which AI infrastructure and financial infrastructure formally collide, and it exposes a competitive asymmetry that has been forming for years. Global schemes built agentic commerce capabilities inside their own controlled environments, giving them a structural head start in determining which credentials AI agents reach for first. IST's pitch is that it provides the neutral, network-agnostic trust layer that levels that playing field, a positioning that will resonate with regulators in the EU and across the GCC who have consistently prioritised payment sovereignty as a policy objective.
For investors tracking the convergence of AI and fintech infrastructure, the launch is a signal that the middleware layer of agentic commerce is beginning to crystallise. The companies that own tokenisation, consent management and authentication in agent-driven channels are occupying a position structurally similar to the one payment processors occupied when e-commerce displaced physical retail. Capital that has been weighing AI-infrastructure plays should watch how quickly banks and domestic schemes move to integrate independent trust stacks, rather than accepting dependence on a global scheme's proprietary agent environment. That adoption curve, more than any market-size forecast, will determine who captures the margin as checkout becomes invisible.