AI agents are already buying things online. They skip your checkout UX, ignore your fraud signals, and look nothing like human customers. OmmPay helps acquirers, processors, and ISOs get ready.
Every fraud signal your systems rely on was built for human buyers. Agents break all of them.
Agent transactions come from datacenter IPs, show no mouse movements, no typing patterns, and complete forms in milliseconds. Your device fingerprinting sees a ghost.
Many agent purchases fall below risk thresholds or bypass 3D Secure entirely. The liability stays with you — and you didn't even know it wasn't a human.
API-based agent commerce skips the checkout page entirely. No cart, no form fields, no website visit. Machine-to-machine payments are already in pilot.
The critical question: was that agent transaction a legitimate purchase by an authorized shopping agent — or a bot with a stolen card? Today, you can't tell the difference.
The biggest players in payments are racing to build AI agent infrastructure. Here's what's happening right now.
A widely circulated report models a scenario where AI agents, optimizing around the clock, identify Visa and Mastercard's 2-3% interchange fees as a cost to eliminate — migrating to stablecoin rails.
Mastercard introduces Agent Pay with Agentic Tokens — dynamic digital credentials that empower AI agents to transact safely on the consumer's behalf. All US cardholders enabled.
Visa and partners complete secure AI agent transactions, setting the stage for mainstream adoption in 2026. AI agent-driven payments rapidly transition from experimentation to reality.
Partnership ensures compatibility with agentic protocols, enabling AI agent verification and data exchange across the PayPal and Mastercard networks.
Mastercard confirms working with digital merchants globally, with all US cardholders enabled for Agent Pay. Santander completes first live agentic payment.
Updated weekly · Sources: Forbes, Payments Dive, Mastercard, Visa, PayPal
A structured evaluation of how prepared your acquiring operation is for AI agent transactions.
Understand where your current fraud, underwriting, and risk systems stand against agent transaction patterns.
Hands-on guidance to adapt your systems, policies, and merchant onboarding for the agentic commerce era.
End-to-end partnership to build agent-ready infrastructure from the ground up.
OmmPay was founded in 2019 by Jekabs Sliede. Jekabs has worked across high-risk acquiring, underwriting, risk management, and payment operations since 2008.
From processing.com to managing risk for publicly traded payment companies, he's worked every level of the acquiring stack — manually underwriting merchant applications, building fraud detection systems, overseeing operations as COO.
In 2026, OmmPay pivoted to focus exclusively on the intersection of AI agents and payments — the biggest shift in commerce since e-commerce itself.
Jekabs has processed the transactions, fought the chargebacks, reviewed the fraud, and built the systems. Now he's applying that depth to the question every acquirer needs to answer: what happens when the buyer isn't human?
30-minute discovery call. An honest conversation about what agent transactions mean for your business.