Google Agent Payments Protocol (AP2) vs OpenAI Instant Checkout

Side by side on the same benchmark criteria.

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Criteria	Google Agent Payments Protocol (AP2)	OpenAI Instant Checkout
Weighted Score	2.9/5	2.0/5
Pricing	Protocol free; network fees apply	Transaction fee on completed orders
Platform Type	Payment network protocol	Agentic checkout infrastructure
Agent Checkout & Payment Protocol	4.2/5	3.5/5
Merchant Catalogue Integration	2.0/5	3.8/5
Conversion & Basket Economics	2.2/5	2.5/5
Trust, Fraud & Consumer Protection	4.0/5	3.0/5
Publisher/Brand Revenue Models	1.2/5	1.2/5
Platform Reach & Demand Access	3.8/5	4.0/5
Analytics & Attribution	2.5/5	2.0/5
Integration & Onboarding Effort	2.5/5	2.5/5
Standards & Interoperability	4.5/5	4.0/5
Strengths	✓ Open, non-proprietary standard ✓ Signed mandates directly address dispute and accountability risk	✓ Open protocol usable beyond ChatGPT ✓ Merchants keep the customer relationship as merchant of record
Limitations	✗ Requires custom developer implementation ✗ No catalogue, analytics or attribution capabilities	✗ Instant Checkout deprioritised as a standalone feature in March 2026 ✗ No revenue model for content publishers

Google Agent Payments Protocol (AP2)

2.9

Rating

★ 2.9/5

Pricing

Protocol free; network fees apply

Platform

Payment network protocol

Scores

Agent Checkout & Payment Protocol

4.2

Merchant Catalogue Integration

2.0

Conversion & Basket Economics

2.2

Trust, Fraud & Consumer Protection

4.0

Publisher/Brand Revenue Models

1.2

Platform Reach & Demand Access

3.8

Analytics & Attribution

2.5

Integration & Onboarding Effort

2.5

Standards & Interoperability

4.5

Strengths

✓ Open, non-proprietary standard

✓ Signed mandates directly address dispute and accountability risk

Limitations

✗ Requires custom developer implementation

✗ No catalogue, analytics or attribution capabilities

OpenAI Instant Checkout

2.0

Rating

★ 2.0/5

Pricing

Transaction fee on completed orders