India Plans AI Agent Registry for UPI Payments
India’s payments authority is building a registry to identify and monitor AI agents transacting on UPI, adding an accountability layer to autonomous payments.
Zero Click Project curates agentic commerce news for operators tracking AI shopping agents, zero-click commerce, and the industry updates shaping how products are discovered, evaluated, and bought. Use this page to follow platform launches, retailer moves, protocol changes, and payment infrastructure developments across the emerging agentic commerce stack.
Editorial summary of the dominant themes emerging from the most recent stories in this feed.
Mastercard expects shoppers to grant agents broader authority only after repeated successful transactions, even as major banks warn that fraud and privacy safeguards are lagging. Adoption is therefore likely to advance through narrow permissions, confirmation steps and visible proof that an agent followed the shopper’s instructions. Recent examples include Banks Warn AI Shopping Agents Are Outpacing Fraud Safeguards; TikTok Adds Conversational Shopping and One-Click Checkout.
Constructor’s Stripe-powered checkout lets shoppers move from an AI recommendation to payment without leaving the assistant. Payments leaders are simultaneously calling for verifiable records of every agent action, showing that reducing checkout friction will depend on stronger evidence of authorization and accountability. Recent examples include Agentic Payments Need Verifiable Receipts of Agent Actions; IDEMIA Adds Passkeys and Scoped Tokens for AI-Agent Payments.
Shopify is opening checkout to browser-based agents and plans to connect Meta’s Muse to Shop Pay, while retailers including Amazon, Kate Spade and QVC are taking sharply different positions on what agents may do. Agent access is becoming a strategic choice about who controls the transaction, customer relationship and underlying data. Recent examples include ChatGPT Adds Virtual Try-On and Saved Shopping Favorites; Shopify Opens Shop Pay Checkout to Meta’s Muse Agent.
TikTok’s new conversational shopping assistant and one-click checkout can keep the full journey inside the platform. For brands, the convenience comes with a structural tradeoff: the platform gains more control over conversion and behavioral data while the merchant risks losing direct visibility into the customer relationship. Recent examples include Walmart Says Sparky Users Spend 40% More Per Order.
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India’s payments authority is building a registry to identify and monitor AI agents transacting on UPI, adding an accountability layer to autonomous payments.
Hey Savi is partnering with PayPal to connect AI-led fashion discovery with in-app checkout, offering a live test of agentic commerce beyond product recommendations.
The three payment companies are developing shared standards for identifying and verifying purchasing agents, a key step toward interoperable and accountable agentic payments.
Black Hat researchers demonstrated how hidden instructions could manipulate a major retailer’s AI shopping assistant and expose sensitive system information.
A U.S. appeals court overturned a temporary ban on Perplexity’s AI-powered shopping tools accessing Amazon, a consequential ruling for agent-led shopping on major platforms.
Synchrony is working with OpenAI to bring its payment cards into ChatGPT shopping, with full payment integration expected to take six to 12 months.
Three grocery-sector examples show retailers using chatbots and AI assistants to move shoppers beyond keyword search and filters toward conversational product discovery.
Schnucks is rolling out an agentic shopping assistant designed to tailor grocery discovery around customers' health and wellness preferences.
A study reported by Reuters says Amazon and Walmart shopping assistants can identify false "Made in USA" claims but do not surface those findings to shoppers, raising questions about platform accountability.
Groceryshop's 2026 program includes an AI-powered shopping series on retail discovery in answer engines, retailer-built shopping assistants, and personalization across digital and store experiences.
Reporting on allegations that Phia's shopping extension claimed affiliate credit through forced clicks illustrates how AI shopping tools can disrupt attribution, publisher economics, and consumer trust.
Kohl's has developed its seasonal gift finder into a digital assistant for product discovery, illustrating the retailer-led path into conversational shopping.
ESW's agentic-commerce integration with Microsoft Copilot connects AI-led product discovery with localized checkout for brands selling internationally.
Adobe found shoppers referred to retail sites by AI chatbots converted 40% more often during Prime Day than those arriving from search, email, or social. Amazon is simultaneously blocking rival shopping agents while developing its own assistant.
Walmart executives say their AI shopping agent, Sparky, is helping drive sales—an early indicator of how a retailer-owned agent could reshape product discovery and conversion.