Universal Commerce Protocol

Klarna is endorsing Google’s Universal Commerce Protocol (UCP) to integrate AI agents with payment systems. This initiative aims to standardize how AI discovers products and processes transactions, overcoming current integration challenges. By supporting UCP and Agent Payments Protocol (AP2), Klarna enables its payment solutions within AI environments, reducing friction for automated shopping and promoting a more interoperable, transparent, and secure commerce ecosystem.

Google is revolutionizing e-commerce with “agentic commerce,” where AI actively makes purchases. The new Universal Commerce Protocol (UCP) enables AI agents to handle transactions, discounts, and payments seamlessly within conversational interfaces. This open standard, developed with major retailers, transforms the shopping journey from “Search-Click-Buy” to “Chat-Then-Buy.” Google’s vast user data and integrated ecosystem provide a significant advantage in this competitive AI commerce landscape, positioning them as a foundational infrastructure provider.

Commerce has endorsed Google’s Universal Commerce Protocol (UCP), enabling direct purchasing across Google’s AI surfaces. This open standard aims to simplify integrations and create a smoother shopping journey from discovery to checkout. Commerce merchants will maintain “merchant of record” status, retaining control over transactions and customer data. This strategic move positions Commerce and its merchants to capitalize on the rise of AI-driven commerce.