Authorize.net
AnnouncedVisa-owned payment gateway processing 1B+ transactions annually, building UCP payment token exchange to connect its large merchant base to AI agent checkout.
Authorize.net has announced plans to support UCP as a participant. No public endpoint is available yet.
Authorize.net is a payment gateway owned by Visa, processing over one billion transactions annually for more than 400,000 merchants. It is one of the oldest and most widely used payment gateways in the United States, particularly among small and mid-market merchants. Authorize.net has announced plans to add UCP payment token exchange support.
The scale of Authorize.net's merchant base makes its UCP integration significant for coverage. Hundreds of thousands of merchants already use Authorize.net as their payment processor. A platform-level UCP integration means this entire merchant base gains a UCP-compatible payment handler without individual merchant development work. For agent developers, Authorize.net support expands the set of merchants where a consumer's UCP payment token can be used.
Authorize.net's customer information manager (CIM) stores tokenized payment methods for returning customers. The UCP token exchange integration maps UCP payment tokens to CIM-stored payment profiles, allowing agents to use a consumer's pre-authorized UCP token to initiate payment through the consumer's stored Authorize.net payment method.
Authorize.net's Visa ownership creates potential for tighter integration with Visa's own UCP efforts. Visa has positioned itself in the UCP payment handler space, and Authorize.net's gateway can serve as the merchant-facing layer for Visa-issued UCP tokens.
Why This Matters for UCP
Authorize.net connects its 400,000+ US merchant base to UCP through its Visa-backed payment gateway, mapping UCP tokens to its Customer Information Manager for agent-initiated transaction processing.
UCP Capabilities
UCP Endpoint
Announced — Endpoint not yet publicly available
Integration Example
// Authorize.net UCP token exchange (announced, not yet live)
// Gateway for 400,000+ US merchants, Visa-backed.
// UCP token maps to Authorize.net Customer Information Manager (CIM) profile:
// ucpToken -> CIM customerProfileId + customerPaymentProfileId
// Checkout via Authorize.net UCP handler:
// const chargeRequest = {
// createTransactionRequest: {
// merchantAuthentication: { name: apiLoginId, transactionKey },
// transactionRequest: {
// transactionType: 'authCaptureTransaction',
// amount: orderTotal,
// payment: {
// ucpToken: { tokenId: ucpPaymentToken.id, handlerId: 'com.authorizenet' }
// }
// }
// }
// };Category
Payment HandlersUCP Status
AnnouncedTags
Pricing
paid
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Reviews
★★★★★4.7 (3 reviews)These are illustrative examples to show what reviews will look like. Submit your own experience below.
A. Kim
Fintech Developer · Jan 25, 2026
Used this to add UCP checkout support to our app. The spec compliance is exact — everything we tested against the conformance suite passed.
C. Russo
Payments Engineer · Mar 2, 2026
Payment token exchange is solid. We process UCP transactions across multiple merchants and have not hit any protocol-level issues in three months.
N. Bergman
Senior Backend Engineer · Feb 7, 2026
The UCP payment handling is correct. Latency is a bit higher than our non-UCP flows, but still within acceptable bounds for checkout.
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