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Whitepapers

Beyond Agentic Commerce: The Future of Agentic Payment Operations

Marco Conte
August 7, 2026

The Biggest AI Opportunity in Payments Isn’t Agentic Commerce

The biggest AI opportunity in payments isn't where most companies are looking.

With AI-powered shopping increasing 35% year over year, agentic commerce has captured the spotlight. But while AI-powered shopping experiences dominate the conversation, tomorrow's payments leaders will be defined by how they use AI behind the scenes.

Beyond Agentic Commerce: The Future of Agentic Payment Operations examines how AI is reshaping the operational side of payments—and what merchants must do today to prepare. From the infrastructure required to support autonomous AI agents to the governance models needed to deploy them with confidence, this white paper provides a roadmap for building payment operations that are more intelligent, efficient, and resilient.

How AI Agents Will Transform Payment Operations—and How to Prepare

Download this whitepaper to learn:

  • How AI in payments is evolving from predictive models to autonomous agents

  • Real-world AI use cases for reporting, routing, reconciliation, and payment optimization

  • The biggest barriers to agentic payment operations, including data quality and AI hallucinations

  • How guardrails, human oversight, and governance enable trustworthy AI

  • A 2030 vision for the future of payment operations

Marco Conte
Marco Conte
Founder of Congrify / VP Product, AI Data & Insights at IXOPAY
Marco Conte is the founder of Congrify, an AI payments intelligence and observability solution that was acquired by IXOPAY in October 2025, where he now serves as the VP Product, AI Data & Insights. Bringing over 12 years of deep expertise in the payments industry, Marco specializes in leveraging data to optimize payment ecosystems.

The Future is Agentic.
Are You Ready?

As commerce shifts from clicks to agents, your infrastructure must be protocol-agnostic. IXOPAY acts as the neutral trust layer, orchestrating identity and value across the fragmenting landscape of AI agent protocols.