JPMorgan Payments has announced plans to develop agentic commerce capabilities for merchants at enterprise scale, aiming to power secure transactions at a time when AI agents are reshaping the way customers shop.

The company has partnered with technology firm Mirakl on the service, which is due to launch later this year.

The technology will enable merchants to sell directly through large language model (LLM) channels such as Gemini, Copilot and Perplexity.

JPMorgan and Mirakl said the partnership will allow them to build the foundational infrastructure required for AI agents to shop autonomously, while maintaining the security and control that consumers and businesses require.

JPMorgan Payments added that it will invest in advanced tools to help merchants facilitate safe and secure payments by integrating with consumer agents, managing agentic fraud risk and supporting agent-driven channels.

The company said merchants of all sizes will be able to participate in agentic commerce without building and managing complex integrations and protocols themselves.

According to JPMorgan Payments, agentic commerce requires an AI commerce engine that makes product catalogues discoverable by AI and enables selling across AI-powered channels, alongside a payment infrastructure that allows AI agents to transact securely.

For merchants, JPMorgan said the technology will allow them to offer richer product information and more sophisticated recommendations.

“As agents move from browsing to buying, the differentiator won’t be ‘AI’ – it will be governance: identity, consent, limits, and interoperability at global scale,” said Mike Lozanoff, global head of merchant services at JPMorgan Payments.

“Our job is to make that autonomy safe and auditable, with verified agent identity, user-controlled permissions, and bank-grade risk management built into every payment.

“We are working in earnest to guide our merchants as they engage with agentic commerce, help agents create a scalable experience, and work with the industry to define standards.”

---