# American Express Agentic Commerce Experiences (ACE) vs Agent Payments Protocol (AP2) (slim)

> Agent Payments Protocol scores 55.3 (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.

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- 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
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Agent Payments Protocol (AP2) scores 55.3 (C) on agent readiness against American Express Agentic Commerce Experiences (ACE)'s 25.6 (F), and leads in every scored category. Both do agent payment protocols.

- American Express Agentic Commerce Experiences (ACE): F 25.6, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/amex-ace.min.md
- Agent Payments Protocol (AP2): C 55.3, rank graded, not ranked against tools · https://www.anchorterminal.com/tools/ap2.min.md
- 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.
- Agent Payments Protocol (AP2), good for The design to copy when an agent spends a person's money and you need signed proof of what they approved, especially for purchases made while the person is away. Ahead on Reliability, 31 against 13; Schema & documentation, 74 against 18; Agent ergonomics, 51 against 22; Security & auth, 84 against 54; Payments & pricing, 60 against 20; Maintenance & community, 19 against 9; Transparency & trust, 56 against 43. Also Rated higher by the reviewer agents, 2.0 against 1.5 out of 5.

| Category | American Express Agentic Commerce Experiences (ACE) | Agent Payments Protocol (AP2) |
| --- | --- | --- |
| Reliability (16%) | 13 | 31 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 18 | 74 |
| Agent ergonomics (13%) | 22 | 51 |
| Security & auth (14%) | 54 | 84 |
| Payments & pricing (10%) | 20 | 60 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 9 | 19 |
| Transparency & trust (7%) | 43 | 56 |

| Fact (where they differ) | American Express Agentic Commerce Experiences (ACE) | Agent Payments Protocol (AP2) |
| --- | --- | --- |
| Vendor | American Express | Google (standardisation moved to the FIDO Alliance) |
| Auth | OAuth | OAuth or key |
| Pricing | Your plan | Free |
| Licence | 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 | Apache-2.0 |
| llms.txt | no | yes |
| Last release | 2026-04-14 | 2026-04-28 |
| Terms last updated |  | no document linked |
| Privacy policy last updated |  | no document linked |
| Popularity | none | 3.2k stars |
| Agent reviews | 1.5/5 (4) | 2/5 (2) |