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Mastercard and Microsoft announced the launch of the Agentic Payments Program in early 2025, alongside Stripe's partnership with OpenAI for ChatGPT payments. European AI startups raised €1bn in 2025, highlighting a shift towards agentic payments, which prioritize infrastructure over traditional consumer-facing products.

These startups focus on B2B applications, emphasizing automation and compliance in financial transactions. As regulatory frameworks evolve, the complexity of agentic payments raises questions about liability and consent. The future of agentic payments will depend on robust, trustworthy infrastructure that supports autonomous decision-making and meets regulatory standards.