American Express Protects AI Agent Purchases to Enable Autonomous Commerce

Eligible cardholders are now protected from charges resulting from AI agent errors, provided the user authorizes the agent and authenticated purchase intent is transmitted. This protection is part of the Amex Agent Purchase Protection policy, which covers purchases made by registered AI agents. The policy accompanies the launch of the the ACE Developer Kit, a framework that integrates card services into AI-powered interactions. The kit enables AI agents to complete payments on behalf of cardholders while preserving authentication, authorization, and dispute management controls. The ACE Developer Kit includes five core services: agent registration, account enablement, intent intelligence, payment credentials, and cart context.