JP Morgan Payments teams with Mirakl to tackle agentic commerce

Under the partnership Mirakl Nexus will serve as the agentic commerce layer, optimizing product catalogues for AI discovery and enabling the shopping journey from discovery through checkout and aftersales, ensuring AI agents can access accurate product information, inventory, and pricing. JP Morgan Payments will provide the enterprise payment infrastructure that makes agentic transactions possible by providing payment processing, tokenization that enables AI agents to transact safely, and the fraud protection that large-scale commerce demands.

“Agentic commerce requires both intelligent commerce infrastructure and trusted payment infrastructure working in concert,” says Adrien Nussenbaum, co-founder and co-CEO of Mirakl. “Mirakl Nexus is key to unlocking agentic commerce — optimizing product catalogues for AI discovery and enabling merchants to sell directly through LLM channels like Gemini, Copilot and Perplexity, and JP Morgan Payments brings the payment and risk management capabilities that enable AI agents to support user-verified purchases securely and at enterprise scale. Together, we’re building the foundational infrastructure for the next era of commerce where AI agents shop autonomously while maintaining the security, control, and reliability that enterprises and consumers require.”

Mike Lozanoff, global head of Merchant Services at JP Morgan Payments, says the bank is investing in strategic relationships and developing advanced tools to help merchants facilitate safe and secure payments by integrating with consumer agents, managing agentic fraud risk and supporting agent-driven channels.

“We are entering an era where AI agents won’t just assist with shopping, they will transact,” he says. “As agents move from browsing to buying, the differentiator won’t be ‘AI’ — it will be governance: identity, consent, limits, and interoperability at global scale. Our job is to make that autonomy safe and auditable, with verified agent identity, user-controlled permissions, and bank-grade risk management built into every payment.”

He says Mirakl and JP Morgan Payments are currently working with select retailers and merchants in a closed beta program, with broader availability currently planned for 2026.