Shopify 表示，已为其结账功能 Shop Pay 添加了由 Visa、Mastercard 和美国运通推出的代理支付技术，此举与 Stripe 主要处理代理购物和信用卡的方式相背离。
Shopify said it has added agentic payment technology created by Visa, Mastercard and American Express for its checkout feature, Shop Pay, a move that runs counter to how Stripe mainly handles agentic shopping and credit cards.
Visa、Mastercard 和美国运通已推出代理支付令牌，该令牌代表用户的卡信息，允许经授权的 AI 代理直接使用用户的卡进行消费。这意味着代理不会看到用户的实际卡号，同时仍保留信用卡奖励和防欺诈措施。
Visa, Mastercard and American Express have introduced agentic payment tokens, which represent a user’s card information, that allow authorized AI agents to spend money directly from a user’s card. That means the agent won’t see the user’s actual card details, while preserving credit card rewards and fraud-protection measures.
卡网络的做法不同于 Stripe 的一种流行做法，后者为 AI 代理发行与持卡人账户关联的单次使用虚拟卡。Stripe 的做法引发了卡网络的担忧，因为它可能导致卡网络对购物和支付流程的控制力下降，并使其更难将用户与实际购买关联起来。
The card networks’ approach differs from a popular approach by Stripe, which issues a separate, single-use virtual card for AI agents that is tied to the cardholder’s account. Stripe’s approach has created concerns for card networks because it can leave them with less control over the shopping and payment process and make it harder to connect the user with the actual purchase.