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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.

FACT

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.

Shopping agent

  • Differentiate through trusted, machine-readable

    commerce policies.

  • Improve agent selection through verifiable trust signals.

Banks and payment networks

  1. Add a new trust signal to authorization and fraud

    decision-making

  2. Enable scalable participation in agentic commerce ecosystems.



 Regulators and trust authorities

  • Support more transparent and auditable autonomous

    commerce.

  • Enable oversight without excessive operational
    centralization.

Consumers

  • Benefit from more transparent and accountable agent

    behavior.

  • Reduce exposure to harmful or unintended autonomous decisions.

Shopping agent

  • Differentiate through trusted, machine-readable

    commerce policies.

  • Improve agent selection through verifiable trust signals.


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.


American Express

  • ICC Payment specification (AEIPS) for contact and Expresspay for contactless.

Diners Club International


  • Acquirer E2E

Discover

  • Network Acquirer E2E

Debit Network Alliance (DNA)

  • Terminal Certification POS Pin Debit E2E

JCB

  • TCI (Terminal Check for Implementation)

Mastercard

  • M-TIP and contactless PayPass
    M-TIP

PULSE

  • POS Pin Debit End-to-End and PULSE ATM End-to-End

UnionPay

  • IC Card Test Guide for Acquirers

Visa

  • Contact ADVT, contactless ADVT qVSDC, CDET and US Common Debit AID

Others

  • Debit networks

Get your quote and further information

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