The move positions the Swedish fintech as a key infrastructure partner in the emerging agent commerce space, where autonomous AI assistants handle everything from product discovery to final payment.
Collaboration deepens, over multiple years relationships that are already growing Google Pay, google cloud,and Google storeThis reflects a concerted push towards an interoperable AI-driven transaction framework, according to Monday (February 2). press release.
“As AI-driven shopping continues to evolve, the underlying commerce infrastructure is critical. is being built About openness, trust and transparency” Klarna Chief Commercial Officer david sykes said in a release.
According to the release, UCP aims to provide a common language that allows AI agents, merchant systems, and payment providers to interact seamlessly across different AI platforms. By joining this protocol, Klarna intends to ensure flexible payment options and real-time decision-making engines are available within AI-driven conversations.
This integration follows Klarna’s October Adoption of agent payment protocol (AP2), another standard particularly focused on About securely executing agent-initiated payments.
Advertisement: SCROLL TO CONTINUE
UCP rollout follows a series of industry developments build The connective tissue necessary for autonomous commerce. Last month, Google started protocol with the support of the Union retail and payments including giants Shopify, target and walmartalong with the network like visa and master card. protocol is designed To power new checkout functionality within Google AI mode in search and gemini The app allows users to complete purchases directly during the research stage. navigate Move to external site.
Elsewhere in the payments space, major players are already adapting to the move to agent commerce. Visa emphasized that: digital credentialstokens and stored payment details, rather than physical cards, now sit at the center of online commerce, especially as AI reduces friction at checkout. stripe has also been released tool It aims to enable sellers to sell through AI agents by making it easier to find products and make payments across multiple AI platforms.
“Agent-led commerce It is often explained as as rotate”PYMNTS CEO Karen Webster I wrote this in December. “In fact, this is the next logical step…It takes hundreds of people working around the clock to match what a single AI model can analyze in less than a minute.”
For all of our coverage of PYMNTS AI, subscribe to our daily subscription AI Newsletter.
