Worldpay has announced a partnership with digital identity platform Trulioo to strengthen safeguards for AI-driven commerce. The collaboration aims to build greater trust, transparency, and accountability as artificial intelligence begins to play a larger role in digital payments.
Building trust in agent-led commerce
As AI agents increasingly handle shopping and transactions on behalf of consumers, the need for secure verification has grown. Ensuring that agents are legitimate, acting with permission, and complying with regulations is becoming critical to protect both consumers and businesses.
Worldpay and Trulioo will work together to deliver tools that allow merchants and payment providers to validate agent identities, verify consumer intent, and block unauthorised or fraudulent activity. The companies believe this will help maintain trust in the fast-changing payments landscape.
“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,” said Cindy Turner, chief product officer at Worldpay.
Introducing the Know Your Agent framework
At the core of the partnership is the new Know Your Agent (KYA) framework, supported by a Digital Agent Passport. This tamper-proof credential system allows merchants to determine whether an AI agent is legitimate, authorised, and acting with user consent.
The framework outlines structured guidelines for verifying developer identity, code integrity, user approval, and the ongoing reliability of an AI agent in real time. With this system, merchants can validate that a consumer’s intent and permissions are accurately represented before any purchase is made.
This, according to Worldpay, could help merchants boost sales while protecting against fraud and unauthorised purchases.
Strengthening the digital ecosystem
Trulioo’s chief executive officer, Vicky Bindra, emphasised that the future of agent-led commerce depends on trust from the outset. “Agentic commerce has significant potential, but it can only scale with trust built in from the start. 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,” he said.
The collaboration is designed to benefit the entire digital commerce ecosystem. Verified agents will be allowed smooth access to services, unknown agents will face additional checks, and malicious bots will be blocked. This approach aims to reduce fraud, improve agent detection, and increase conversion rates at checkout.
For consumers, the framework provides reassurance that AI assistants are operating with the right permissions. For merchants and platforms, it offers a shared, interoperable layer of trust that not only supports innovation but also meets evolving regulatory and risk requirements.
The companies believe that by combining advanced fraud detection, consent validation, and identity verification, their partnership can shape the future of AI-driven commerce in a way that balances innovation with safety.
