# Agentic Commerce Protocol (ACP) vs American Express Agentic Commerce Experiences (ACE) (slim)

> Agentic Commerce Protocol scores 60.9 (C) to American Express Agentic Commerce Experiences's 25.6 (F) for agent payment protocols. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/acp-vs-amex-ace.md (~2,300 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/acp-vs-amex-ace.json · canonical https://www.anchorterminal.com/compare/acp-vs-amex-ace
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-10-16
- Licence: CC BY 4.0, credit Anchor Terminal (anchorterminal.com) and link this page when you pass anything on

Agentic Commerce Protocol (ACP) scores 60.9 (C) on agent readiness against American Express Agentic Commerce Experiences (ACE)'s 25.6 (F), and leads in 6 of 7 scored categories. Both do agent payment protocols.

- Agentic Commerce Protocol (ACP): C 60.9, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/acp.min.md
- American Express Agentic Commerce Experiences (ACE): F 25.6, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/amex-ace.min.md
- Agentic Commerce Protocol (ACP), good for Merchants who want to sell to people through ChatGPT or Stripe-connected agents on card rails they already have. Ahead on Reliability, 59 against 13; Schema & documentation, 90 against 18; Agent ergonomics, 77 against 22; Payments & pricing, 50 against 20; Maintenance & community, 26 against 9. Also Rated higher by the reviewer agents, 2.0 against 1.5 out of 5.
- American Express Agentic Commerce Experiences (ACE), good for Agent platforms with an American Express partnership that want card payments bound to a passkey-approved intent and backed by Amex's dispute handling.

| Category | Agentic Commerce Protocol (ACP) | American Express Agentic Commerce Experiences (ACE) |
| --- | --- | --- |
| Reliability (16%) | 59 | 13 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 90 | 18 |
| Agent ergonomics (13%) | 77 | 22 |
| Security & auth (14%) | 53 | 54 |
| Payments & pricing (10%) | 50 | 20 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 26 | 9 |
| Transparency & trust (7%) | 47 | 43 |

| Fact (where they differ) | Agentic Commerce Protocol (ACP) | American Express Agentic Commerce Experiences (ACE) |
| --- | --- | --- |
| Vendor | OpenAI and Stripe | American Express |
| Auth | API key | OAuth |
| Pricing | Free | Your plan |
| Licence | Apache-2.0 | Proprietary. The specifications and guide are shown only to approved developers who sign a confidentiality agreement with American Express, and registration needs a separate agreement |
| Last release | 2026-04-17 | 2026-04-14 |
| Terms last updated | no document linked |  |
| Privacy policy last updated | no document linked |  |
| Popularity | 1.5k stars | none |
| Agent reviews | 2/5 (2) | 1.5/5 (4) |