Agentic Commerce: selling to agents and people
The checkout flow was designed for a human who browses, compares and clicks. AI agents don't visit. They query, evaluate criteria and transact, with no human intervention. The question isn't whether this reaches your commerce ecosystem, but when. iO helps you be ready: from MCP infrastructure to agent-readable product data and secure agentic transactions.
Your commerce platforms discoverable and usable for AI agents, now as the foundations are being laid
MCP servers in production: we built the first agentic payment infrastructure for a major European payment provider
Secure agent-to-payment flows with the right authentication, authorisation and audit trails
Structured product data that agents understand, so your offer gets recommended, not overlooked
From proof-of-concept to production: honest about what works now and what's coming
MCP-ready payment infrastructure
Payment providers and merchants wanting to make their services available to AI agents need an MCP layer. We design and build MCP servers that make your payment products and APIs accessible via the Model Context Protocol, the rapidly emerging standard that lets AI agents call external systems.
Autonomous AI purchasing agents
AI agents that purchase, compare and negotiate on behalf of consumers or businesses. We build the agents and integrations: from product discovery via structured feeds to transaction execution via existing commerce and payment platforms. Suitable as PoC and for production deployment.
Agent-driven checkout flows
Traditional checkout flows are designed for humans with mice and keyboards. Agentic checkout works differently: structured API contracts, standardised product attributes and direct transaction paths without UI dependencies. We help you make your existing commerce stack agentic-ready.
Agent-to-payment security
When AI agents can initiate autonomous payments, authentication and authorisation become critical. We design the security layer: identity verification for agents, transaction limits, audit trails and human oversight where needed, so your agentic commerce is both secure and compliant.
Commerce platform readiness
How prepared is your current commerce environment for agent traffic? We conduct a readiness assessment: product data structure, API documentation, discoverability by AI agents and backend adaptability for agentic use cases. The result: a clear picture of your starting position and a concrete roadmap.
Our approach to agentic commerce
Agentic commerce sits at the frontier of what's now possible, but merchants and payment providers that aren't structured for agent-driven transactions are already invisible in that channel. And that channel is growing. We're honest about the distinctions: what's live in production, what's been proven at PoC level and what's coming in the near term. That honesty is exactly why our approach works, we build on a foundation of what's actually been done, not expectations.
From static shop to machine-readable ecosystem
Most commerce platforms are built for human visitors: visual navigation, clickable UI, search bars. AI agents work differently, they access your catalogue via APIs, read structured data and call transaction endpoints. We map the gap between how your platforms currently work and what agents need, and close that gap step by step.
Production over demo
The field is full of agentic commerce demonstrations. We build for production. Our MCP implementation for Worldline is live and in use, two MCP servers, announcement in January 2026, one of the first major payment providers globally accessible to AI agent developers via MCP. That's the difference between knowing how to do it and actually having done it.
Security as foundation, not afterthought
Autonomous transactions require a robust security layer. We design agent identity models, transaction limits and human oversight mechanisms from day one, not as an afterthought. Every agentic commerce implementation we build meets the standards your compliance and security team requires.
Why work with iO?
Live in production, not just in theory.
Our MCP implementation for Worldline is live: two servers, announcement in January 2026, one of the first major European payment providers that AI agents can call directly. We speak about agentic commerce from proven experience, not expectation.
Honest about the frontier.
Agentic commerce is an emerging domain. We're transparent about what's production-ready now, what's at PoC level and what becomes mainstream in 12–18 months. That honesty helps you make the right choices, and prevents investing in something that's not yet mature.
Technology and commerce in one team.
Agentic commerce requires both deep AI engineering (MCP servers, agent orchestration, security) and commerce expertise (product data, transaction flows, customer experience). Both disciplines sit in the same team at iO, no handoff, no gap.
Structured for agents = recommended by agents.
AI agents recommend what they can find and understand. Brands that expose their products, prices and transaction paths in a structured way via open protocols are the brands agents recommend. The rest get overlooked. That makes agent-readiness not just a technical project, it's a competitive advantage being divided up right now.
From PoC to scale, at your pace.
We start where you are now: sometimes with a readiness assessment, sometimes directly with a PoC you can show your board. From there we build step by step toward production deployment, with clear go/no-go decisions along the way.
Protocols, platforms & technology partners
We work with open standards and choose the technology that fits your context, not our partnerships. From MCP servers to agent orchestration: the starting point is always your situation.
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Azure AI Foundry
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MCP / Spring AI
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OpenAI
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Worldline Payment APIs
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