Worldline and ING complete a live end-to-end European agentic payment in production

At Money 20/20 Worldline [Euronext: WLN], a European leader in payment services, and ING, a global financial institution with a strong European base, announce the successful execution of Europe’s first end-to-end agentic payment transaction in production with Mastercard.

Completed between an ING cardholder and a merchant in the Netherlands, the solution operates on the same underlying infrastructure across Belgium and runs across Mastercard network – leveraging their respective secure authentication and authorisation mechanisms. This milestone demonstrates that merchant AI agent-initiated and authenticated payments can function end-to-end, across multiple European markets.

“Agentic commerce is no longer theoretical, it is production-ready today. Powered by Worldline’s platform, this transaction proves that we are fully enabled across acceptance, acquiring, authentication and issuer processing at a pan-European level. Together with ING and Mastercard, we are making agentic payments a seamless and secure reality happening.” Madalena Cascais Tomé, Member of the Executive Committee, Worldline.

As the agentic commerce space accelerates – with major international card schemes and financial institutions actively building agentic frameworks and orchestration standards – the critical question has shifted from can it work to can it be trusted at scale. Worldline and ING’s production transaction provides a concrete, verifiable answer.

An ING cardholder searches for a wedding anniversary gift online. A merchant’s AI agent identifies concert tickets within the defined budget, presents a curated selection, and completes the transaction only after the consumer gives explicit approval. Authentication is handled through established secured mechanisms with ING – as the issuing bank – playing a central role in authorising the transaction and Worldline processing the payment end-to-end across its issuing and acquiring platforms.

At the centre of the model is consumer-driven approval where the consumer remains directly involved in the final purchase decision. The transaction carries explicit identifiers that reveal its agentic nature, providing transparency to the issuing bank, which maintains control through authentication and authorisation. This ensures security and trust, while the payment is processed in a seamless and traceable way across the full transaction chain 

“We’re excited about this concrete move towards shaping a future where seamless, intelligent interactions redefine the way we engage with banking and online shopping. For ING, this collaboration is the perfect opportunity to lay a solid foundation for our continued role as a trusted partner in an increasingly agentic future in banking. We look forward to making agentic commerce a great experience for all our customers, both private and business. “ Hans Overeem, Head of Payments, ING Netherlands.

“We are seeing the next evolution of digital commerce, where trusted agents can act on behalf of consumers in a secure and transparent way. This milestone demonstrates how Mastercard Agent Pay can enable scalable, interoperable agentic payments – grounded in network-wide guardrails and reinforced by strong authentication and network‑level protections. More importantly, Mastercard establishes the foundation for how this ecosystem can operate at scale: agents are onboarded within defined standards and controls, merchants are enabled through consistent integration frameworks, and issuers retain full visibility and control over every transaction. With Agent Pay we ensure that innovation scales safely-built on trust, aligned across the ecosystem and ready for real-world deployment.” Brice van de Walle, Executive Vice President, Core Payments Europe, Mastercard.

Beyond the single purchase, this pilot establishes that the technological and business workflows required for agentic payments are production-ready on a European infrastructure – orchestrated across networks, markets and use cases. It also creates a basis for exploring future use cases, such as recurring transactions and delegated purchases within pre-defined parameters.