Universal Commerce Protocol and the MCP Server

▶ Watch (1:32)

Google Pay’s Universal Commerce Protocol lets developers use their existing merchant ID and payment processing backend for AI-driven agentic commerce. No new PSP relationships or backend reconfiguration is required. The Pay and Wallet MCP server brings the integration workflow directly into the developer’s IDE. It manages integrations, troubleshoots errors, and generates code. The MCP server entered public preview today and will graduate to general availability later this year.

Express Checkout and Cross-Device Authentication

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OnPaymentAuthorized and onPaymentDataChange callbacks now work on Android via Play Services Wallet SDK 20.0.0. Merchants can place the Google Pay button on product detail pages for a true one-click checkout. The card funding source signal tells developers whether a card is credit, debit, or prepaid. This enables dynamic surcharging or discounts. Cross-device authentication moves desktop MFA to a mobile biometric prompt. It replaces SMS OTPs and clunky redirects. Merchants in Australia can also prioritize FPAS for domestic transaction routing.

Digital Identity and Zero-Knowledge Proofs

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Google Wallet’s digital ID coverage now reaches an estimated 1.5 billion eligible users globally. India’s Aadhaar and Japan’s My Number Card integrations lead the expansion. Uber uses the Jetpack Credential Manager library for driver identity verification. Intuit uses the same flow for account recovery. Gokmen Goksel announced the open-sourcing of zero-knowledge proof libraries. These libraries allow age verification without revealing personally identifiable information. The W3C Digital Credentials API now supports cross-device requests from desktop websites.

Retail Engagement and Wallet Redesign

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Edson Yanaga announced contactless loyalty enrollment for both smart tap and non-smart tap setups. A native Salesforce integration lets merchants issue loyalty cards, coupons, and gift cards directly to Google Wallet. Nearby passes notifications now use Google Maps to automatically infer relevant merchant locations. Customizable push notifications give developers full control over message content. A dedicated digital receipts API is coming soon. The new Wallet home screen features dynamic quick access and a searchable view-more hub.

Notable Quotes

Your existing Google Pay back end and even your current merchant ID are fully compatible with the new Universal Commerce Protocol payment handler. Kushagra Patel · ▶ Watch (1:32)

This allows you to extend your reach to agentic surfaces without rebuilding your core payment logic or reconfiguring your business identity. Kushagra Patel · ▶ Watch (1:54)

Zero-knowledge proof is a cryptographic protocol that lets users prove that something about them is true without sharing any other data. Gokmen Goksel · ▶ Watch (12:46)

Key Takeaways

  • The Universal Commerce Protocol reuses existing Google Pay infrastructure for AI agent commerce.
  • The Pay and Wallet MCP server is now in public preview for IDE-based integrations.
  • Wallet SDK 20.0.0 enables one-click express checkout on Android product pages.
  • Digital ID coverage expanded to 1.5 billion users via Aadhaar and My Number Card.
  • Google open-sourced zero-knowledge proof libraries for privacy-preserving ID verification.