FACT
The trust infrastructure layer for autonomous commerce.
Make the process of testing and certification of payment terminals automated, user-friendly, scalable, and web-based for all your customers.
Enable confident autonomous transactions.
Agentic commerce is transforming digital transactions from human-initiated actions to delegated machine execution.
AI agents can compare offers, negotiate terms, trigger purchases, and manage financial decisions at machine speed.
While current systems can facilitate these autonomous transactions, they lack the mechanisms to reliably govern or verify them, creating a critical trust gap. FACT (Framework for Agentic Commerce Trust) addresses this gap by providing a neutral, continuously verifiable trust layer that enables agent-driven transactions to operate with confidence, control, and accountability.
FACT empowers users to trust AI-driven commerce by continuously verifying agent actions, permissions, and authorizations. It ensures each transaction aligns with user intent, remains compliant with applicable rules, and meets standards of fairness and accountability. By delivering realtime trust ignals and independent oversight, FACT allows organizations and individuals to delegate financial decisions to AI agents without compromising security or control.
Key benefits
Merchants
Increase confidence in accepting autonomous transactions.
- Reduce disputes linked to misaligned or opaque agent actions.
Increase confidence in accepting autonomous transactions.
Shopping agent
Differentiate through trusted, machine-readable
commerce policies.
- Improve agent selection through verifiable trust signals.
Differentiate through trusted, machine-readable
commerce policies.
Banks and payment networks
Add a new trust signal to authorization and fraud
decision-making
- Enable scalable participation in agentic commerce ecosystems.
Add a new trust signal to authorization and fraud
decision-making
Regulators and trust authorities
Support more transparent and auditable autonomous
commerce.
- Enable oversight without excessive operational
centralization.
Support more transparent and auditable autonomous
commerce.
centralization.
Consumers
Benefit from more transparent and accountable agent
behavior.
- Reduce exposure to harmful or unintended autonomous decisions.
Benefit from more transparent and accountable agent
behavior.
Shopping agent
Differentiate through trusted, machine-readable
commerce policies.
- Improve agent selection through verifiable trust signals.
Differentiate through trusted, machine-readable
commerce policies.
How it works.
Self Test Platform provides the perfect web-based hosted simulator tool, delivering an intuitive and scalable solution for any acquirer, acquiring processor, payment service provider, or payment scheme seeking to automate the process of testing and certifying payment terminals.What's in the box.
- Self Test Platform comprises several building blocks
- Project management framework.
Project management.
- Test case and test plan management.
- Management reporting.
- Functional testing and brand validation.
Test automation engine.
- Consolidated ICS form for all payment brands.
- Formal validation support.
- Pre-validation and testing support.
- Web portal.
Detailed transaction viewer.
- Knowledge portal and help center.
- Customizable platform and GUI.
Specifications.
Latest payment brand test plans.
|
ICC Payment specification (AEIPS) for contact and Expresspay for contactless.
ICC Payment specification (AEIPS) for contact and Expresspay for contactless.
|
Acquirer E2E
Acquirer E2E
|
Network Acquirer E2E
Network Acquirer E2E
|
Terminal Certification POS Pin Debit E2E
Terminal Certification POS Pin Debit E2E
| JCB |
TCI (Terminal Check for Implementation)
TCI (Terminal Check for Implementation)
| Mastercard |
M-TIP and contactless PayPass
M-TIP
M-TIP and contactless PayPass
M-TIP
| PULSE |
POS Pin Debit End-to-End and PULSE ATM End-to-End
POS Pin Debit End-to-End and PULSE ATM End-to-End
| UnionPay |
IC Card Test Guide for Acquirers
IC Card Test Guide for Acquirers
| Visa |
Contact ADVT, contactless ADVT qVSDC, CDET and US Common Debit AID
Contact ADVT, contactless ADVT qVSDC, CDET and US Common Debit AID
| Others |
Debit networks
Debit networks