Payment Service Providers: Agentic Commerce Won’t Wait for You. Don’t get sidelined.

If you’re a payment service provider (PSP), agentic commerce isn’t just a trend to watch. It’s a tidal wave you need to be ready for, or risk getting completely cut out of the transaction flow.

Disintermediation isn’t theoretical. It’s already happening.

Disintermediation Is Real

As AI agents and large language models (LLMs) take on more autonomy in the buying process, they’re also gaining control over how transactions happen. The more logic shifts to the agent, the less room there is for traditional PSPs to sit between the buyer and the merchant.

Checkout experiences powered by SDKs or embedded payment forms might soon be bypassed entirely. AI agents don’t fill out fields. They execute API calls. That means unless your infrastructure is deeply composable and agent-ready, it’s invisible to the new buyer.

And if you’re invisible, you’re replaceable.

Stripe Gets It. Do You?

Stripe has already moved. They’re embedding themselves into the next generation of AI platforms, 78% of the Forbes AI 50 companies use them. That’s not just a brag. It’s a strategic land grab to become the default payment logic within agentic ecosystems.

The longer you wait, the more you risk becoming a second-choice fallback in a stack you no longer control.

Card Rails Are Cracking

Let’s talk about rails. Traditional card-based payments are already seeing disruption with the rise of account-to-account (A2A) options, real-time payments, and services like Plaid.

When an AI agent can choose the most efficient path to checkout, it’s not going to prioritize what makes you money, it’s going to pick what’s fast, low-friction, and intelligent. That’s not Visa. That’s direct bank transfers, digital wallets, and local payment methods.

What’s at Stake? Everything.

Just like searching for a product on Gemini or ChatGPT already feels more intuitive than navigating traditional ecommerce sites, the same shift is happening in how transactions get executed.

Agentic commerce doesn’t just change the interface, it changes who owns the checkout, how it’s triggered, and who gets paid.

That means PSPs need to stop thinking in terms of form fields and redirect flows, and start thinking in terms of composable APIs, agent-triggered payments, and developer-first orchestration layers.

How Bold Helps

At Bold, we’re not a PSP, we’re a checkout engine.

And that distinction matters more than ever. Bold powers agent-ready, LLM-native checkout flows that don’t rely on traditional UIs.

Whether it's surfacing checkout APIs inside a conversation or enabling API-based orchestration across gateways, Bold is already solving what most PSPs haven’t even seen coming.

If you're a PSP reading this, now is the time to ask: are you ready to be part of agentic commerce, or will your payment options disappear behind the scenes?