Payments
Standards in the catalog that belong to payments — 27 of them. A standard is listed here only when it is specific to this industry; the general-purpose ones it also relies on, like HTTP, OAuth and JSON Schema, deliberately carry no domain.
The same industry, as data models
5 data models define what information exists in payments, as opposed to the standards applied in API operations listed below. Same industry, two lenses.
See the payments data models →| Standard | What it is |
|---|---|
| 3-D Secure | 3-D Secure is an EMVCo messaging protocol that adds cardholder authentication to card-not-present payments, sharing risk data between the merchant,... |
| Agent Payments Protocol (AP2) | The Agent Payments Protocol describes what a user has authorized an agent to buy and how to pay, as signed mandates (verifiable digital credentials... |
| Agentic Commerce Protocol (ACP) | The Agentic Commerce Protocol is an interaction model for buyers, their AI agents and businesses to complete a purchase: agentic checkout and deleg... |
| Berlin Group NextGenPSD2 | NextGenPSD2 is the open-banking API standard published by the Berlin Group, a pan-European payments interoperability initiative, to satisfy the EU'... |
| Confirmation of Payee | Confirmation of Payee (CoP) is a UK account-name-checking service, operated through Pay.UK, that verifies whether the name a payer enters matches t... |
| EMV | EMV is the family of card payment specifications created and managed by EMVCo, the technical body collectively owned by American Express, Discover,... |
| EMV Agentic Payments Framework | EMV Agentic Payments – Framework for Specifications is EMVCo's draft foundation for card-based payments made by AI agents on a consumer's behalf. I... |
| EMV Contact Chip | EMV Contact Chip is the original EMV specification: the chip in a payment card that is inserted into a terminal, validates the card's authenticity,... |
| EMV Contactless Chip | EMV Contactless Chip covers tap-to-pay transactions made with contactless chip cards and NFC-enabled mobile devices, generating a one-time security... |
| EMV Digital Payment Credential | The EMV Digital Payment Credential (DPC) is EMVCo's work to define a verifiable digital credential for card payments — a common, interoperable way ... |
| EMV Mobile | EMV Mobile is EMVCo's work supporting payments made with smartphones, tablets and wearables — mobile wallets and other card-based payments over NFC... |
| EMV Payment Tokenisation | EMV Payment Tokenisation replaces a card's primary account number (PAN) with a payment token that is constrained in how it can be used — to a speci... |
| EMV QR Codes | The EMV QR Code Specifications standardize how QR codes carry payment data, so one code at checkout can support a range of card and account-based p... |
| EMV Secure Remote Commerce | EMV Secure Remote Commerce (SRC) is the EMVCo specification framework for a consistent, secure online card checkout, and the baseline behind the ne... |
| FIDO Alliance Agentic Authentication and Payments | In April 2026 the FIDO Alliance started two work streams for agents: an Agentic Authentication Technical Working Group, and agent payments work in ... |
| ISO 8583 | ISO 8583 is the international standard for financial transaction card-originated messages, defining the format used by payment networks and ATMs. I... |
| KYAPay | KYAPay, from Skyfire, defines a signed JWT that carries verified agent and human identity (KYA) together with payment credentials (PAY), so a merch... |
| Machine Payments Protocol (MPP) | The Machine Payments Protocol (MPP) is an open specification that finally gives HTTP's long-reserved `402 Payment Required` status code a defined s... |
| Mastercard Agent Pay | Mastercard Agent Pay is Mastercard's program for agent-initiated payments. Its acceptance framework registers and verifies agents before they trans... |
| NACHA | NACHA governs the ACH Network and publishes the NACHA Operating Rules, which define the file format and rules for Automated Clearing House electron... |
| NPP and PayTo | The New Payments Platform is Australia's real-time account-to-account payment infrastructure, operated by NPP Australia, carrying data-rich ISO 200... |
| Open Banking Standard | The UK Open Banking Standard is the technical and operational specification developed by the Open Banking Implementation Entity, now Open Banking L... |
| Payment HTTP Authentication Scheme | An individual IETF draft from Tempo Labs and Stripe that defines a Payment HTTP authentication scheme, so a server can ask for payment in a 402 cha... |
| Universal Commerce Protocol (UCP) | The Universal Commerce Protocol defines capabilities for agents to shop: discovery at /.well-known/ucp, checkout, orders, and extensions such as AP... |
| Verifiable Intent | Verifiable Intent is an open specification for cryptographic agent authorization in commerce, introduced by Mastercard with Google on 5 March 2026.... |
| Visa Trusted Agent Protocol (TAP) | Visa's Trusted Agent Protocol lets a merchant recognize an agent it has never seen before. It defines three signatures: agent recognition based on ... |
| x402 | x402 is an open payments protocol that uses HTTP's `402 Payment Required` status code to let a client pay for a resource in the course of requestin... |