Revolut is positioning itself at the forefront of AI-driven digital commerce. The fintech company has announced that Revolut Pay is now one of the first payment methods in the European Union compatible with Google’s Agent Payments Protocol (AP2) — a new standard designed to enable payments initiated and managed by AI agents.
The integration allows Revolut Pay to operate across agentic commerce platforms in the UK and the European Economic Area (EEA), paving the way for a new generation of conversational and automated checkout experiences.
What is Google’s Agent Payments Protocol (AP2)?
AP2 is an open payments protocol developed by Google in collaboration with leading payment and technology companies. Its purpose is to enable secure, compliant payments executed by AI agents across different platforms and environments.
The protocol establishes a payment-method-agnostic framework aligned with industry standards and regulations, allowing:
- users to authorise AI-initiated purchases,
- merchants to accept automated payments securely,
- payment providers to operate with transparency and trust.
Revolut has contributed directly to the development of AP2, adapting the protocol specifically for account-to-account payment flows, a model that is particularly relevant in the European payments ecosystem.
From “Click and Pay” to Conversational Commerce
According to Revolut, the future of online shopping will not be built around traditional websites and checkout pages.
“The future of shopping isn’t a website — it’s a conversation. We want to move beyond the click-and-pay model to a world where your AI assistant completes the checkout for you,”
said Alex Codina, General Manager of Acquiring at Revolut.
By enabling Revolut Pay for agentic commerce, the company aims to make its payment solution the default rail for AI-driven transactions, delivering speed, trust and minimal friction for the next generation of digital shoppers.
Security, Trust and Speed at the Core
As AI agents take on a more active role in commerce, security and trust become non-negotiable.
“By leveraging Google’s AP2 protocol, Revolut removes friction from AI-assisted shopping. Together, Revolut and Google are transforming digital commerce,”
said Tara Brady, President, Google Cloud EMEA.
All Revolut Pay transactions are processed through Revolut’s secure infrastructure, which includes:
- instant transaction notifications,
- integrated fraud-monitoring systems,
- strong authentication and compliance controls.
This ensures a safer and more transparent experience for consumers, while helping merchants improve checkout efficiency and conversion rates.
What This Means for Revolut Business Merchants
For Revolut Business customers, agentic commerce represents more than a technical upgrade — it’s a strategic step toward the future of payments.
By supporting AI-initiated transactions, merchants can:
- participate in emerging conversational sales channels,
- reduce checkout friction,
- prepare for automated purchasing journeys driven by AI assistants.
👉 You can explore these capabilities in more detail in our full Revolut Business review.
Revolut is positioning itself as a trusted infrastructure partner, helping merchants grow in an agentic commerce ecosystem that is already taking shape.
Revolut Pay as Part of a Broader Fintech Strategy
Ensuring that Revolut Pay is compatible with any AI agent reflects Revolut’s wider ambition: to move beyond digital banking and become a core payments infrastructure provider for the AI-powered digital economy.
If you’d like a deeper look at how Revolut’s ecosystem works — including its accounts, features and positioning versus other fintech platforms — see our in-depth Revolut review.
Conclusion
The integration of Revolut Pay with Google’s Agent Payments Protocol marks an important milestone for:
- AI-driven and conversational commerce in Europe,
- the standardisation of agent-led payments,
- the evolution of e-commerce toward automated, low-friction experiences.
As AI reshapes how consumers discover, decide and pay, payment solutions that combine automation, security and trust will define the next phase of digital commerce. Revolut is making it clear that it intends to be part of that foundation.
