Worldpay and Trulioo Join Forces to Secure AI-Driven Commerce with Know Your Agent Framework

Worldpay and Trulioo collaborate on safeguards for agentic AI commerce

This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. This collaboration aims to bring trust, consent and accountability to the rapidly evolving landscape of digital payments driven by artificial intelligence. "As AI agents play a growing role in shopping on behalf of consumers, verifying agent identities and capturing clear, auditable shopper consent are critical to maintaining trust, preventing fraud and meeting evolving regulatory requirements. Worldpay and Trulioo will innovate to deliver advanced tools to ensure that merchants, payment providers and consumers can trust agent-based transactions." Cindy Turner, chief product officer at Worldpay, commented, "Innovation in payments must always be grounded in integrity and trust. By partnering with Trulioo, we're delivering the trust infrastructure our ecosystem needs and empowering businesses and consumers to embrace AI-powered commerce with confidence, knowing that safety and transparency are at the heart of every transaction." At the core of this collaborative effort is the Know Your Agent (KYA) framework, powered by a Digital Agent Passport. This tamper-proof credential bundle will enable merchants to assess whether an AI agent is legitimate, authorized and acting with proper consent. The KYA framework will lay out structured guidelines for verification of the developer's identity, code integrity, user consent and the ongoing trustworthiness of the agent in real time. Worldpay will empower merchants to leverage the KYA framework, enabling them to trust shopping agents by validating consumer intent and the authority granted to those agents. This innovation can help merchants grow sales while safeguarding against fraud and unauthorized purchases. "Agentic commerce has significant potential, but it can only scale with trust built in from the start," said Vicky Bindra, chief executive officer at Trulioo. "With Worldpay, we're laying the foundation for a more secure and accountable digital ecosystem - one where AI agents can operate transparently, and consumers stay in control." The collaboration will help merchants and platforms unlock new experiences, from smarter checkout flows to real-time fraud detection, without sacrificing safety or visibility. Instead of blocking AI agents by default, the partnership will introduce smart controls where verified agents gain access, unknown agents encounter friction, and malicious bots are blocked. This approach will deliver measurable benefits across the entire ecosystem, including reduced fraud, smarter agent detection, and improved checkout conversion for merchants. Consumers will gain confidence that their AI assistants are acting with proper permission, while the broader commerce landscape will benefit from a shared, interoperable layer of trust that supports ongoing innovation and meets regulatory and evolving risk standards.

Worldpay and Trulioo Partner to Deliver Safeguards for Agentic Commerce | PYMNTS.com

By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions. The tools delivered by this collaboration will ensure that merchants, payment providers and consumers can trust artificial intelligence (AI) agent-based transactions, the companies said in a Thursday (Aug. 14) press release emailed to PYMNTS. Worldpay will empower merchants to leverage Trulioo's Know Your Agent (KYA) framework to assess the legitimacy of AI agents by validating consumer intent and the authority granted to the agents, according to the release. With this capability, merchants can grow their sales by allowing access to verified AI agents, while preventing fraud and unauthorized purchases, per the release. "By partnering with Trulioo, we're delivering the trust infrastructure our ecosystem needs and empowering businesses and consumers to embrace AI-powered commerce with confidence, knowing that safety and transparency are at the heart of every transaction," Worldpay Chief Product Officer Cindy Turner said in the release. Trulioo CEO Vicky Bindra said in the release: "With Worldpay, we're laying the foundation for a more secure and accountable digital ecosystem -- one where AI agents can operate transparently, and consumers stay in control." While many merchants worry about malicious automation and the potential for additional friction at checkout, there is a real upside because bots can generate entirely new revenue streams by automating replenishment and acting as always-on personal shoppers, Bindra told PYMNTS CEO Karen Webster in an interview posted July 29. "If I was a merchant, I never want to deny revenue," Bindra said. "Figure out a way you can do it securely. You don't need to do it tomorrow. Spend the next 30 to 60 days doing two things: go to your acquirer and ask for a hosted page, or lean on your ISV (independent software vendor). There are many ways you can reduce risk without doing much more yourself." Similarly, Worldpay is "quite bullish on agentic checkout and agentic commerce," Nabil Manji, SVP head of FinTech growth and financial partnerships at Worldpay, told PYMNTS in an interview posted in June. "Merchants, acquirers, issuers, networks; we all need to think about how we're preparing for that future," Manji said. "Because once consumers adopt agent checkout, it'll become the predominant form of lead generation and purchase."