Mirakl Teams With J.P. Morgan Payments on Secure Agentic Commerce Transactions for Merchants

French fintech Mirakl SAS has partnered with J.P. Morgan Payments to provide infrastructure for the payments provider’s agentic-commerce offering. The partnership will enable merchants to facilitate agentic commerce without having to build and manage complex integrations and protocols.

Mirakl will integrate J.P. Morgan Payments technology into its Nexus agentic-commerce service, which enables merchants to optimize product catalogs for discovery in agentic-commerce environments to ensure AI agents are accessing richer, more accurate product information, inventory, and pricing, according to the payments service. As a result, merchants will be able to differentiate themselves to AI agents and consumers, giving the sellers a competitive advantage, Mirakl says. 

For AI agents, enriched and structured catalog data improves product discoverability and ranking in AI-driven search and recommendation systems. For consumers, richer product data is said to create a more intuitive and personalized discovery experience that can drive engagement and loyalty.

In the collaboration, J.P. Morgan Payments will provide payment processing, tokenization, and fraud protection for merchants.

Creating a secure environment for consumers using AI agents to shop on their behalf is key, observers say, as AI agents are moving away from just browsing to purchasing. That trend requires not just an intelligent commerce infrastructure, but a secure payment infrastructure, Prashant Sharma, executive director of biometrics and identity solutions for J.P. Morgan Payments, says by email.

“We are entering an era where AI agents won’t just assist with shopping, they will transact,” Sharma says. “These transactions must be processed with the same level of security, identity verification, and fraud protection that enterprises expect from traditional commerce.”

J.P. Morgan Payments will also provide governance for argentic-commerce transactions in matters related to identity, consent, and transaction limits to create an auditable system.

“With verified agent identity, user-controlled permissions, and bank-grade risk management, we can enable AI agents to transact while maintaining the trust, security, control, and reliability that enterprises and consumers require,” says Sharma.