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Introducing the Moneris MCP server: a new foundation for AI-driven commerce
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Introducing the Moneris MCP server: a new foundation for AI-driven commerce

By: Jordan Williamson
Vice President, Core Product
July 17, 2026 clock Calculating time...
cloud network

How Moneris is building the commerce infrastructure for an agentic future

Key takeaways

  1. AI is moving from recommending products to taking action, and agentic commerce is beginning to reshape how transactions happen.
  2. The Moneris MCP server creates a secure, standardized way for AI tools to connect to commerce and payment.
  3. It gives platforms, software providers and enterprise merchants the commerce infrastructure to bring AI capabilities to their own customers, building on the systems they already have.

AI is starting to play a more active role in commerce. It is not just recommending options anymore. In some cases, it is beginning to take action, completing transactions on behalf of people and businesses.

That shift is driving what is known as agentic commerce. Agentic commerce is a model where AI systems can independently discover products or services, evaluate options and complete transactions on behalf of a user.

Moneris sits at the infrastructure layer of commerce, where payments, settlement and merchant operations come together. That is where we believe the most important work in agentic commerce needs to happen. Our focus is not on building AI shopping experiences. It is on providing the commerce infrastructure that platforms, software providers and enterprise merchants can build on as they bring new AI capabilities to their own customers.

The Moneris Model Context Protocol (MCP) server is our first step in that direction. It provides a standardized way to connect AI agents to commerce and payment capabilities, so partners can integrate once and stay adaptable as the ecosystem evolves.

What is the Moneris MCP server 

The Model Context Protocol, or MCP, is an open standard that allows AI agents to securely connect to external tools and data sources through a single, consistent interface.


The Moneris MCP server applies that standard to commerce. It creates a secure connection between AI systems and Moneris APIs, giving AI tools a consistent way to interact with core commerce functions, including payments.

Instead of building custom integrations for each AI tool or use case, MCP provides one layer that works across platforms. This helps reduce fragmentation as the ecosystem evolves.

MCP is gaining traction as a common standard for connecting AI tools to external systems, and the Moneris MCP server is one of the first commerce focused implementations developed in Canada.

For businesses, this means they can begin supporting AI driven interactions without needing to rebuild their existing infrastructure.

It's analogous a power grid and electrical outlets. The commerce capabilities are the grid. The Moneris MCP server is the standardized outlet that any compliant device (AI agent) can plug into and draw power from. You don't rewire your house every time you buy a new appliance, and ISVs, developers and merchants shouldn't have to rebuild integrations for every new agent.

Why does agentic commerce matter for businesses

Agentic commerce is still in its early stage, but it is moving quickly.

AI systems are already being embedded within software platforms, enterprise workflows and customer experiences. The next step is allowing those systems to take action, whether that means initiating transactions, managing operational processes, or interacting directly with commerce infrastructure. For that to happen, businesses need a secure and standardized way for intelligent systems to execute actions on their behalf.

For that to work, businesses need a way for AI agents to interact with their systems securely and reliably.

Most commerce environments were not designed for this. Integrations can be inconsistent and adding new layers introduces questions around security, control and visibility.

The Moneris MCP server is designed to address this. It gives businesses a way to participate while keeping their existing checkout flows, data and controls intact.

What can businesses do with MCP?

With the Moneris MCP server in place, developers and partners can build AI-driven experiences that connect directly into Moneris payment and commerce capabilities.

In practical terms, this includes:

  1. Secure AI transactions. AI agents can initiate transactions without bypassing existing payment controls.
  2. One integration, multiple platforms. Businesses and developers can integrate once and extend across different AI tools and environments.
  3. No disruption to current systems. Businesses can remain discoverable and transactable in AI driven environments without changing how their systems work today.

The goal is not to replace existing systems. It is to make them accessible in new ways as commerce evolves.

This also means businesses can take part in new experiences while maintaining control over their checkout, their data, and their customer relationships.

How this fits into the bigger picture

The Moneris MCP server is an important milestone, but it is not the destination.

Our broader strategy is to simplify an increasingly complex agentic ecosystem. We do not expect a single protocol, standard or platform to define the future of agentic commerce. Instead, Moneris is building a consistent commerce layer that allows platforms, partners and enterprise merchants to integrate once, while remaining adaptable as technologies, trust models and industry standards continue to evolve. MCP is one implementation of that vision.

This builds on the areas where Moneris is already strong:

  • Commerce execution, including payments, settlement and merchant operations
  • Commerce intelligence, including data, reporting, benchmarking and analytics
  • Agent enablement, including identity, permissions, delegated authority and automation
  • Interoperability and trust across emerging AI ecosystems
So what does this look like in practice?

What platforms and partners should be thinking about next

For most platforms and partners, this is less about immediate change and more about direction.

It is about understanding how demand is shifting and where your existing strengths can extend into agentic commerce.

As AI driven discovery becomes more common, it will be important for systems to be accessible and structured in a way that supports programmatic interactions.

A few things to start thinking about:

  1. Look at where you can extend, not rebuild. Agentic commerce is an opportunity to layer new AI capabilities on top of the commerce strengths you already have, rather than recreate them.
  2. Review how accessible your systems are. If an external application needed to interact with your business, how easy would that be today? This is a good proxy for how ready you are for AI driven interactions.
  3. Think about how transactions should be controlled. As more actions happen through AI tools, it is important to maintain visibility into what is happening and ensure your existing payment and security controls still apply.
  4. Start small and build from there. This is not an all or nothing shift. Many businesses will begin by exploring one or two use cases before expanding.

The goal is not to predict exactly how AI driven commerce will evolve. It is to make sure your business is in a position to participate as it does.

 

If you're already ready

For some platforms and partners, this shift will feel more immediate.

If your systems are API first and your data is already structured, you may not need much preparation. You may already be in a position to support AI driven commerce.

In that case, the focus shifts from preparation to activation.

  1. Connect into AI ecosystems through standardized layers like MCP. This allows AI tools to interact with your systems without requiring new custom integrations.
  2. Start testing practical use cases. Focus on scenarios such as automated approvals, delegated purchasing, merchant operations, or intelligent workflows that interact directly with commerce infrastructure.
  3. Pay attention to how your business is represented. As AI driven discovery grows, it will be important to understand how your products, pricing, and availability are interpreted by these systems.

Early experimentation here can create an advantage as these experiences continue to evolve. 

Frequently asked questions

Author Profile

Jordan Williamson

Vice President, Core Product

Jordan Williamson is Vice President, Core Products at Moneris, where he leads the strategy and development of the company’s core payments and commerce platform. He focuses on improving customer experience, modernizing product architecture, and scaling platform capabilities across in-store, mobile, and embedded solutions. Jordan has led multiple 0-to-1 product launches and large-scale modernization initiatives, with a track record of simplifying complex systems and delivering high-impact, scalable products. Outside of the payments industry, Jordan is passionate about dedicating time to volunteering and supporting important causes, whether that’s participating in Movember or joining the Heart and Stroke Foundation’s Big Bike Ride.

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