10 things we learned building for the first generation of agentic commerce

Stripe shares 10 lessons from building the first generation of agentic commerce infrastructure, covering the Agentic Commerce Protocol (ACP) and Agentic Commerce Suite. Key insights include: product catalog fragmentation across AI agents, the need for real-time inventory verification, protocol volatility and zombie integrations, Shared Payment Tokens (SPTs) as a secure payment primitive, near-zero fraud rates leveraging the Stripe network, starting with a focused SKU set, brand control challenges on third-party AI surfaces, identity and loyalty gaps in guest-checkout-like agentic flows, the first-party vs. third-party agent strategy, and emerging machine-to-machine payments using stablecoins for pay-per-call models.