{"componentChunkName":"component---src-templates-blog-post-page-tsx","path":"/blog/google-ucp-explained/","result":{"data":{"locales":{"edges":[{"node":{"ns":"blog","data":"{\"Boost customer satisfaction and sales by accepting more payment methods.\":\"Boost customer satisfaction and sales by accepting more payment methods.\",\"Email Address\":\"Email Address\",\"Get payment insights and trends, expert business tips, and MONEI news.\":\"Get payment insights and trends, expert business tips, and MONEI news.\",\"Join MONEI to test integrations and payments. No commitment necessary.\":\"Join MONEI to test integrations and payments. No commitment necessary.\",\"Join MONEI with no commitment to test integrations and payments.\":\"Join MONEI with no commitment to test integrations and payments.\",\"Learn how to grow your business\":\"Learn how to grow your business\",\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\":\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\",\"Must Read\":\"Must Read\",\"Name\":\"Name\",\"Name is required\":\"Name is required\",\"No billing information is required. By opening a test account, you agree to receive marketing emails from MONEI.\":\"No billing information is required. By opening a test account, you agree to receive marketing emails from MONEI.\",\"No commitment. Unsubscribe anytime.\":\"No commitment. Unsubscribe anytime.\",\"Open an Account\":\"Open an Account\",\"Originally published\":\"Originally published\",\"Popular\":\"Popular\",\"Privacy and data processing information\":\"Privacy and data processing information\",\"Published\":\"Published\",\"Read More\":\"Read More\",\"Remove tag\":\"Remove tag\",\"Subscribe\":\"Subscribe\",\"Thank you! We will keep in touch.\":\"Thank you! We will keep in touch.\",\"Updated\":\"Updated\",\"email is required\":\"email is required\",\"should be a valid email\":\"should be a valid email\"}","language":"en"}},{"node":{"ns":"common","data":"{\"\\n          Integrated payment solutions help streamline and automate the payment acceptance\\n          process. It’s a payment system that communicates with the other software your\\n          business uses, making the payment integration for each platform or marketplace\\n          unique.\":\"\\n          Integrated payment solutions help streamline and automate the payment acceptance\\n          process. It’s a payment system that communicates with the other software your\\n          business uses, making the payment integration for each platform or marketplace\\n          unique.\",\"- Ahorra tiempo y dinero desarrollando tu propia solución de pagos. - Obtén una participación en los ingresos. - Aprovecha el sistema de facturación de MONEI para cobrar a tus usuarios/comerciantes por servicios adicionales. - Evita lidiar con el cumplimiento de pagos. - Ayuda a tus usuarios a aceptar más métodos de pago. - Comete menos errores.\":\"- Ahorra tiempo y dinero desarrollando tu propia solución de pagos. - Obtén una participación en los ingresos. - Aprovecha el sistema de facturación de MONEI para cobrar a tus usuarios/comerciantes por servicios adicionales. - Evita lidiar con el cumplimiento de pagos. - Ayuda a tus usuarios a aceptar más métodos de pago. - Comete menos errores.\",\"- Save time and money developing your own payments solution. - Earn a revenue share. - Leverage MONEI's billing system to charge your users/merchants for additional services. - Skip dealing with payment compliance. - Help your users accept more payment methods. - Make fewer errors.\":\"- Save time and money developing your own payments solution. - Earn a revenue share. - Leverage MONEI's billing system to charge your users/merchants for additional services. - Skip dealing with payment compliance. - Help your users accept more payment methods. - Make fewer errors.\",\"100% recommended. An optimal payment gateway that quickly adapts to the changes and improvements required in electronic commerce. We are very happy to work with the MONEI team!\":\"100% recommended. An optimal payment gateway that quickly adapts to the changes and improvements required in electronic commerce. We are very happy to work with the MONEI team!\",\"3D Secure Rules (Smart Exceptions)\":\"3D Secure Rules (Smart Exceptions)\",\"<0></0>︎ Access our APIs on behalf of each MONEI account bound to your partner account.\":\"<0></0>︎ Access our APIs on behalf of each MONEI account bound to your partner account.\",\"<0></0>︎ Get a unique registration link to let your users register their MONEI account (they’ll always be bund to your partner account).\":\"<0></0>︎ Get a unique registration link to let your users register their MONEI account (they’ll always be bund to your partner account).\",\"<0></0>︎ View the Partner Dashboard to see payment history, aggregated analytics, and details about each MONEI account bound to your partner account.\":\"<0></0>︎ View the Partner Dashboard to see payment history, aggregated analytics, and details about each MONEI account bound to your partner account.\",\"<0>Accept more payment methods</0>\":\"<0>Accept more payment methods</0>\",\"<0>Blog</0>\":\"<0>Blog</0>\",\"<0>Built in payment security</0>\":\"<0>Built in payment security</0>\",\"<0>Easily onboard and payout users</0>\":\"<0>Easily onboard and payout users</0>\",\"<0>Flexible out-of-the-box solution</0>\":\"<0>Flexible out-of-the-box solution</0>\",\"<0>Pricing</0>\":\"<0>Pricing</0>\",\"<0>Save money</0>\":\"<0>Save money</0>\",\"<0>Take online and physical payments</0>\":\"<0>Take online and physical payments</0>\",\"A month ago\":\"A month ago\",\"A week ago\":\"A week ago\",\"API Reference\":\"API Reference\",\"About us\":\"About us\",\"Absolutely. Compliance requirements and security considerations are crucial when\\n          implementing an integrated payment solution. Make sure the solution adheres to\\n          relevant industry standards, such as PCI-DSS (Payment Card Industry Data\\n          Security Standard), to protect sensitive customer payment data.\":\"Absolutely. Compliance requirements and security considerations are crucial when\\n          implementing an integrated payment solution. Make sure the solution adheres to\\n          relevant industry standards, such as PCI-DSS (Payment Card Industry Data\\n          Security Standard), to protect sensitive customer payment data.\",\"Absolutely. Compliance requirements and security considerations are crucial when implementing an integrated payment solution. Make sure the solution adheres to relevant industry standards, such as PCI-DSS (Payment Card Industry Data Security Standard), to protect sensitive customer payment data.\":\"Absolutely. Compliance requirements and security considerations are crucial when implementing an integrated payment solution. Make sure the solution adheres to relevant industry standards, such as PCI-DSS (Payment Card Industry Data Security Standard), to protect sensitive customer payment data.\",\"Acquirer Routing Engine\":\"Acquirer Routing Engine\",\"Affiliate program\":\"Affiliate program\",\"All Features + Integrations\":\"All Features + Integrations\",\"Amount\":\"Amount\",\"Apple Pay\":\"Apple Pay\",\"Apple Pay for PrestaShop\":\"Apple Pay for PrestaShop\",\"Apple Pay for Shopify\":\"Apple Pay for Shopify\",\"Apple Pay for Wix\":\"Apple Pay for Wix\",\"Apple Pay for WooCommerce\":\"Apple Pay for WooCommerce\",\"Are there any compliance requirements or security considerations I should be aware of?\":\"Are there any compliance requirements or security considerations I should be aware of?\",\"As your users sell more, their transaction <2>fees will decrease</2> in real-time and for in-person payments, <5>MONEI Pay</5> is 50% cheaper than a traditional POS\":\"As your users sell more, their transaction <2>fees will decrease</2> in real-time and for in-person payments, <5>MONEI Pay</5> is 50% cheaper than a traditional POS\",\"At MONEI, we provide customer support and technical assistance to help you  \\n          during the integration process and resolve any issues that may arise. This can  \\n          include documentation, developer resources, dedicated support channels, and  \\n          sometimes even on-site assistance depending on the specific service level  \\n          agreement (SLA) in place. We also handle KYC, <BlogLink slug=\\\"payment-platform-onboarding\\\">onboarding</BlogLink>, and payment security  \\n          and compliance for you.\":\"At MONEI, we provide customer support and technical assistance to help you  \\n          during the integration process and resolve any issues that may arise. This can  \\n          include documentation, developer resources, dedicated support channels, and  \\n          sometimes even on-site assistance depending on the specific service level  \\n          agreement (SLA) in place. We also handle KYC, <BlogLink slug=\\\"payment-platform-onboarding\\\">onboarding</BlogLink>, and payment security  \\n          and compliance for you.\",\"At MONEI, we provide customer support and technical assistance to help you during the integration process and resolve any issues that may arise. This can include documentation, developer resources, dedicated support channels, and sometimes even on-site assistance depending on the specific service level agreement (SLA) in place. We also handle KYC,<1>onboarding</1>, and payment security and compliance for you.\":\"At MONEI, we provide customer support and technical assistance to help you during the integration process and resolve any issues that may arise. This can include documentation, developer resources, dedicated support channels, and sometimes even on-site assistance depending on the specific service level agreement (SLA) in place. We also handle KYC,<1>onboarding</1>, and payment security and compliance for you.\",\"BETA\":\"BETA\",\"Bancontact\":\"Bancontact\",\"Become a MONEI Affiliate\":\"Become a MONEI Affiliate\",\"Benefits\":\"Benefits\",\"Billed to\":\"Billed to\",\"Bizum\":\"Bizum\",\"Bizum for PrestaShop\":\"Bizum for PrestaShop\",\"Bizum for Shopify\":\"Bizum for Shopify\",\"Bizum for Wix\":\"Bizum for Wix\",\"Bizum for WooCommerce\":\"Bizum for WooCommerce\",\"Blog\":\"Blog\",\"Bono Cultural\":\"Bono Cultural\",\"Chargebacks\":\"Chargebacks\",\"Click to Pay\":\"Click to Pay\",\"Company\":\"Company\",\"Compare Payment Gateways\":\"Compare Payment Gateways\",\"Compatible with\":\"Compatible with\",\"Complaint Channel\":\"Complaint Channel\",\"Contact\":\"Contact\",\"Contact Sales\":\"Contact Sales\",\"Contact sales now to tell us more about your business and payment needs.\":\"Contact sales now to tell us more about your business and payment needs.\",\"Credit Card\":\"Credit Card\",\"Credit cards\":\"Credit cards\",\"Custom Checkout\":\"Custom Checkout\",\"Custom domain\":\"Custom domain\",\"Daily Fee\":\"Daily Fee\",\"Dashboard\":\"Dashboard\",\"Dashboard Users\":\"Dashboard Users\",\"Date\":\"Date\",\"Dental Practice Payments\":\"Dental Practice Payments\",\"Developers\":\"Developers\",\"Docs\":\"Docs\",\"Documentation\":\"Documentation\",\"Don’t worry about fraud and transaction security issues, MONEI is <2>PCI DSS Level 1</2> compliant — we’ll take care of payment security for you\":\"Don’t worry about fraud and transaction security issues, MONEI is <2>PCI DSS Level 1</2> compliant — we’ll take care of payment security for you\",\"E-commerce platforms\":\"E-commerce platforms\",\"Earn a revenue share\":\"Earn a revenue share\",\"Email\":\"Email\",\"Features\":\"Features\",\"First name\":\"First name\",\"Food Truck POS System\":\"Food Truck POS System\",\"Food Truck Payments\":\"Food Truck Payments\",\"Four months ago\":\"Four months ago\",\"Freelancer Payments\":\"Freelancer Payments\",\"Fully 3D Secure\":\"Fully 3D Secure\",\"Fully PCI Level1 Compliant Card Vaulting\":\"Fully PCI Level1 Compliant Card Vaulting\",\"Get started today with the best integrated payments solution for your platform or marketplace\":\"Get started today with the best integrated payments solution for your platform or marketplace\",\"Get the MONEI Pay app for easy payments on the go\":\"Get the MONEI Pay app for easy payments on the go\",\"Getting started\":\"Getting started\",\"Glossary\":\"Glossary\",\"Go to Docs\":\"Go to Docs\",\"Google Pay\":\"Google Pay\",\"Google Pay for PrestaShop\":\"Google Pay for PrestaShop\",\"Google Pay for Shopify\":\"Google Pay for Shopify\",\"Google Pay for Wix\":\"Google Pay for Wix\",\"Google Pay for WooCommerce\":\"Google Pay for WooCommerce\",\"Grow your e-commerce business with MONEI’s payment gateway: Dynamic pricing. More payment methods. E-commerce platform or custom website integration. Join »\":\"Grow your e-commerce business with MONEI’s payment gateway: Dynamic pricing. More payment methods. E-commerce platform or custom website integration. Join »\",\"Hair Salon Payments\":\"Hair Salon Payments\",\"Help your platform or marketplace users accept the widest range of payment methods from <2>credit cards</2> to <5>Apple Pay</5>, <8>Google Pay</8>, <11>Bizum</11>, and more <14>local payment methods</14>\":\"Help your platform or marketplace users accept the widest range of payment methods from <2>credit cards</2> to <5>Apple Pay</5>, <8>Google Pay</8>, <11>Bizum</11>, and more <14>local payment methods</14>\",\"Help your users accept more payment methods\":\"Help your users accept more payment methods\",\"Help your users grow their businesses\":\"Help your users grow their businesses\",\"High Priority Support (Dedicated Slack Channel)\":\"High Priority Support (Dedicated Slack Channel)\",\"Highly recommended\":\"Highly recommended\",\"Home\":\"Home\",\"Honei is a platform in Spain that helps restaurants accept orders and payments\\n          via QR codes. By using MONEI Connect as an integrated payments partner, Honei\\n          can let its users accept all the payment methods MONEI supports without having\\n          to deal with the development, compliance, and KYC. It’s all handled by MONEI.\\n          More platforms that use MONEI Connect for integrated payments are Glop,\\n          Qamarero, Nuve, and Taxitronic.\":\"Honei is a platform in Spain that helps restaurants accept orders and payments\\n          via QR codes. By using MONEI Connect as an integrated payments partner, Honei\\n          can let its users accept all the payment methods MONEI supports without having\\n          to deal with the development, compliance, and KYC. It’s all handled by MONEI.\\n          More platforms that use MONEI Connect for integrated payments are Glop,\\n          Qamarero, Nuve, and Taxitronic.\",\"Honei is a platform in Spain that helps restaurants accept orders and payments via QR codes. By using MONEI Connect as an integrated payments partner, Honei can let its users accept all the payment methods MONEI supports without having to deal with the development, compliance, and KYC. It’s all handled by MONEI. More platforms that use MONEI Connect for integrated payments are Glop, Qamarero, Nuve, and Taxitronic.\":\"Honei is a platform in Spain that helps restaurants accept orders and payments via QR codes. By using MONEI Connect as an integrated payments partner, Honei can let its users accept all the payment methods MONEI supports without having to deal with the development, compliance, and KYC. It’s all handled by MONEI. More platforms that use MONEI Connect for integrated payments are Glop, Qamarero, Nuve, and Taxitronic.\",\"Hosted Payment Page\":\"Hosted Payment Page\",\"How long does it take to integrate an integrated payment solution into my platform or marketplace?\":\"How long does it take to integrate an integrated payment solution into my platform or marketplace?\",\"I give this application a 10 for my online store since thanks to it my clients can pay with bizum and other means of card payment, increasing my conversion rate. It is very simple and intuitive and anyone can connect their ecommerce to Money. They also have a super responsive support that answers all your questions. Highly recommended.\":\"I give this application a 10 for my online store since thanks to it my clients can pay with bizum and other means of card payment, increasing my conversion rate. It is very simple and intuitive and anyone can connect their ecommerce to Money. They also have a super responsive support that answers all your questions. Highly recommended.\",\"I use MONEI for my business and so far it works great. It is easy to integrate and the customer service is very good. I recommend it\":\"I use MONEI for my business and so far it works great. It is easy to integrate and the customer service is very good. I recommend it\",\"I've been using MONEI apps and MONEI Payments Platform for many years and I have only good words for them. The service is absolutely perfect, great customer service and very reasonable prices. I totally recommend it!\":\"I've been using MONEI apps and MONEI Payments Platform for many years and I have only good words for them. The service is absolutely perfect, great customer service and very reasonable prices. I totally recommend it!\",\"Integrated Payment Solutions for Platforms and Marketplaces\":\"Integrated Payment Solutions for Platforms and Marketplaces\",\"Integrated payment solutions FAQ\":\"Integrated payment solutions FAQ\",\"Integrated payment solutions for your platform or marketplace\":\"Integrated payment solutions for your platform or marketplace\",\"Integrated payment solutions help streamline and automate the payment acceptance process. It’s a payment system that communicates with the other software your business uses, making the payment integration for each platform or marketplace unique.\":\"Integrated payment solutions help streamline and automate the payment acceptance process. It’s a payment system that communicates with the other software your business uses, making the payment integration for each platform or marketplace unique.\",\"Integrations\":\"Integrations\",\"Interchange Fee Calculator\":\"Interchange Fee Calculator\",\"Join our monthly newsletter\":\"Join our monthly newsletter\",\"Klarna\":\"Klarna\",\"Labs\":\"Labs\",\"Last name\":\"Last name\",\"Last published posts\":\"Last published posts\",\"Legal\":\"Legal\",\"Legal Billing Software\":\"Legal Billing Software\",\"Legal Notice\":\"Legal Notice\",\"Let users accept payments online via a <2>customizable payment page</2> and in person from their phone or tablet, using <6>QR codes</6> or <9>payment requests</9>\":\"Let users accept payments online via a <2>customizable payment page</2> and in person from their phone or tablet, using <6>QR codes</6> or <9>payment requests</9>\",\"Leverage MONEI's billing system to charge your users/merchants for additional services\":\"Leverage MONEI's billing system to charge your users/merchants for additional services\",\"Looking for an integrated payment partner for your platform or marketplace? Build payment experiences without the high development costs. Get MONEI Connect ››\":\"Looking for an integrated payment partner for your platform or marketplace? Build payment experiences without the high development costs. Get MONEI Connect ››\",\"MONEI DIGITAL PAYMENTS SL - ESB02660926 Palestina, 1, Entreplanta, 29007, Málaga, Spain BORME Registry Details: Registro Mercantil de MÁLAGA T 5998, L 4905, F 54, S 8,H MA158775, I/A 1 (14.01.21). MONEI is a Swift member with BIC number: MONIES2M. MONEI is a member of the European Payments Council under the SRTP group. MONEI stores funds from merchants in omnibus (safeguard) accounts controlled by fully regulated financial institutions.\":\"MONEI DIGITAL PAYMENTS SL - ESB02660926 Palestina, 1, Entreplanta, 29007, Málaga, Spain BORME Registry Details: Registro Mercantil de MÁLAGA T 5998, L 4905, F 54, S 8,H MA158775, I/A 1 (14.01.21). MONEI is a Swift member with BIC number: MONIES2M. MONEI is a member of the European Payments Council under the SRTP group. MONEI stores funds from merchants in omnibus (safeguard) accounts controlled by fully regulated financial institutions.\",\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\":\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\",\"MONEI DIGITAL PAYMENTS SL is the controller of your personal data, the purpose and legal basis of which is to manage your request and, where applicable, to execute the contractual relationship. You will also receive emails about MONEI's activity, unless you have checked the objection box. You may exercise your rights of access, rectification, deletion, opposition, limitation and portability by post to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <4>Privacy Policy</4>.\":\"MONEI DIGITAL PAYMENTS SL is the controller of your personal data, the purpose and legal basis of which is to manage your request and, where applicable, to execute the contractual relationship. You will also receive emails about MONEI's activity, unless you have checked the objection box. You may exercise your rights of access, rectification, deletion, opposition, limitation and portability by post to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <4>Privacy Policy</4>.\",\"MONEI Experts\":\"MONEI Experts\",\"MONEI handles the <2>Know Your Customer (KYC)</2> and payout processes so you can onboard more users, faster, and spend time on sales instead of settlements\":\"MONEI handles the <2>Know Your Customer (KYC)</2> and payout processes so you can onboard more users, faster, and spend time on sales instead of settlements\",\"MONEI monthly\":\"MONEI monthly\",\"Make fewer errors\":\"Make fewer errors\",\"Monei Pay Video\":\"Monei Pay Video\",\"Monthly newsletter\":\"Monthly newsletter\",\"Multibanco\":\"Multibanco\",\"Network Tokenization\":\"Network Tokenization\",\"New product and feature announcements\":\"New product and feature announcements\",\"Omnichannel payments\":\"Omnichannel payments\",\"Online payments\":\"Online payments\",\"Open an Account\":\"Open an Account\",\"Order ID\":\"Order ID\",\"Order from [Your Brand]\":\"Order from [Your Brand]\",\"PCI DSS Level 1\":\"PCI DSS Level 1\",\"POS System for hair and beauty salons\":\"POS System for hair and beauty salons\",\"POS for Freelancers\":\"POS for Freelancers\",\"Page not found!\":\"Page not found!\",\"Partners\":\"Partners\",\"Pay by Link\":\"Pay by Link\",\"Pay €\":\"Pay €\",\"PayPal\":\"PayPal\",\"Payment Gateway\":\"Payment Gateway\",\"Payment Methods\":\"Payment Methods\",\"Payment methods\":\"Payment methods\",\"Payments Orchestration\":\"Payments Orchestration\",\"Payments orchestration\":\"Payments orchestration\",\"Paypal for PrestaShop\":\"Paypal for PrestaShop\",\"Paypal for Shopify\":\"Paypal for Shopify\",\"Paypal for Wix\":\"Paypal for Wix\",\"Paypal for WooCommerce\":\"Paypal for WooCommerce\",\"Periodic reminder\":\"Periodic reminder\",\"Physical payments\":\"Physical payments\",\"Press\":\"Press\",\"Pricing\":\"Pricing\",\"Privacy Policy\":\"Privacy Policy\",\"Product\":\"Product\",\"Products\":\"Products\",\"Proprietary MPI Server\":\"Proprietary MPI Server\",\"QR Code Payment for Restaurants\":\"QR Code Payment for Restaurants\",\"QR Code Payments\":\"QR Code Payments\",\"QR Payments\":\"QR Payments\",\"Quickly and easily integrate payments into your business platform or marketplace with <1>MONEI Connect</1>. Build and scale end-to-end payment experiences with a simple payment partner API. Save time and money with built-in onboarding, fully-managed KYC, and payments compliance and security. Get the best integrated payment solution for platforms and marketplaces — join MONEI.\":\"Quickly and easily integrate payments into your business platform or marketplace with <1>MONEI Connect</1>. Build and scale end-to-end payment experiences with a simple payment partner API. Save time and money with built-in onboarding, fully-managed KYC, and payments compliance and security. Get the best integrated payment solution for platforms and marketplaces — join MONEI.\",\"Read more\":\"Read more\",\"Recurring Payments\":\"Recurring Payments\",\"Recurring payments\":\"Recurring payments\",\"Refunds\":\"Refunds\",\"Resources\":\"Resources\",\"Restaurant Payments\":\"Restaurant Payments\",\"Retail & In-Store Payments\":\"Retail & In-Store Payments\",\"Retail POS System\":\"Retail POS System\",\"SEPA Direct Debit\":\"SEPA Direct Debit\",\"SEPA Request-to-Pay\":\"SEPA Request-to-Pay\",\"SOFORT\":\"SOFORT\",\"Save time and money developing your own payments solution\":\"Save time and money developing your own payments solution\",\"Save time and money on development by integrating with a single payment system that’s built to scale — add payments to your platform/marketplace or white label our payment solution and charge a fee\":\"Save time and money on development by integrating with a single payment system that’s built to scale — add payments to your platform/marketplace or white label our payment solution and charge a fee\",\"Scheme tokenization + Card updater\":\"Scheme tokenization + Card updater\",\"Seamlessly let your users accept payments\":\"Seamlessly let your users accept payments\",\"Service-level Agreement\":\"Service-level Agreement\",\"Settlement\":\"Settlement\",\"Setup Fee\":\"Setup Fee\",\"Skip dealing with payment compliance\":\"Skip dealing with payment compliance\",\"Smart Transaction Routing & Cascading\":\"Smart Transaction Routing & Cascading\",\"Stay in the loop when we launch new products and features, including more payment methods.\":\"Stay in the loop when we launch new products and features, including more payment methods.\",\"Still here?\":\"Still here?\",\"Subscribe\":\"Subscribe\",\"Subscribe to get latest news, e-commerce tips, and helpful resources from around the web.\":\"Subscribe to get latest news, e-commerce tips, and helpful resources from around the web.\",\"Subscription Payment Service\":\"Subscription Payment Service\",\"Subscription engine\":\"Subscription engine\",\"Subscriptions\":\"Subscriptions\",\"Super intuitive and easy to use\":\"Super intuitive and easy to use\",\"Support\":\"Support\",\"Support and Claims\":\"Support and Claims\",\"Taxi POS\":\"Taxi POS\",\"Taxi Payments\":\"Taxi Payments\",\"Thank you! We will keep in touch.\":\"Thank you! We will keep in touch.\",\"The best online payment aggregate out there\":\"The best online payment aggregate out there\",\"The project \\\"Development of an open, pan-European and secure digital payment technology\\\" has been subsidized by the CDTI.\":\"The project \\\"Development of an open, pan-European and secure digital payment technology\\\" has been subsidized by the CDTI.\",\"The time required for integration depends on various factors, including the\\n          complexity of your platform, the chosen payment solution, and the availability\\n          of developer resources. Generally, well-documented APIs and developer-friendly\\n          tools provided by integrated payment solutions (like MONEI Connect) can expedite\\n          the integration process.\":\"The time required for integration depends on various factors, including the\\n          complexity of your platform, the chosen payment solution, and the availability\\n          of developer resources. Generally, well-documented APIs and developer-friendly\\n          tools provided by integrated payment solutions (like MONEI Connect) can expedite\\n          the integration process.\",\"The time required for integration depends on various factors, including the complexity of your platform, the chosen payment solution, and the availability of developer resources. Generally, well-documented APIs and developer-friendly tools provided by integrated payment solutions (like MONEI Connect) can expedite the integration process.\":\"The time required for integration depends on various factors, including the complexity of your platform, the chosen payment solution, and the availability of developer resources. Generally, well-documented APIs and developer-friendly tools provided by integrated payment solutions (like MONEI Connect) can expedite the integration process.\",\"Three months ago\":\"Three months ago\",\"Trusted by\":\"Trusted by\",\"Try MONEI now!\":\"Try MONEI now!\",\"Try MONEI right now\":\"Try MONEI right now\",\"Two months ago\":\"Two months ago\",\"Two weeks ago\":\"Two weeks ago\",\"Unlimited API Access\":\"Unlimited API Access\",\"Use Cases\":\"Use Cases\",\"Use MONEI’s plugins and APIs to accept more payment methods and increase sales online and in-person — all from a single payment platform.\":\"Use MONEI’s plugins and APIs to accept more payment methods and increase sales online and in-person — all from a single payment platform.\",\"Use cases\":\"Use cases\",\"Use the Payment Partner Integration API\":\"Use the Payment Partner Integration API\",\"Very good service. Our users asked us to pay for bizum and since we implemented it, the conversion rate of the web has increased!\":\"Very good service. Our users asked us to pay for bizum and since we implemented it, the conversion rate of the web has increased!\",\"Vew all payment methods\":\"Vew all payment methods\",\"Visa-Mastercard for PrestaShop\":\"Visa-Mastercard for PrestaShop\",\"Visa-Mastercard for Shopify\":\"Visa-Mastercard for Shopify\",\"Visa-Mastercard for Wix\":\"Visa-Mastercard for Wix\",\"Visa-Mastercard for WooCommerce\":\"Visa-Mastercard for WooCommerce\",\"We are hiring!\":\"We are hiring!\",\"We have integrated Monei as our secure payment gateway, in a simple, fast and completely secure way. It also offers us payment methods such as Bizum, which increases the conversion of payments and gives options to all customers.\\nThe commissions with respect to others are lower and also the customer service in Spain is very efficient. Thank you\":\"We have integrated Monei as our secure payment gateway, in a simple, fast and completely secure way. It also offers us payment methods such as Bizum, which increases the conversion of payments and gives options to all customers.\\nThe commissions with respect to others are lower and also the customer service in Spain is very efficient. Thank you\",\"We use it every day to collect from our firm's clients and I can only recommend it to everyone. VERY LOW commissions and the next day you have the money deposited in your checking account. 10/10.\":\"We use it every day to collect from our firm's clients and I can only recommend it to everyone. VERY LOW commissions and the next day you have the money deposited in your checking account. 10/10.\",\"What MONEI merchants are saying\":\"What MONEI merchants are saying\",\"What are integrated payments?\":\"What are integrated payments?\",\"What are the main benefits of integrated payment solutions for platforms and marketplaces via MONEI Connect?\":\"What are the main benefits of integrated payment solutions for platforms and marketplaces via MONEI Connect?\",\"What kind of customer support or technical assistance is provided with integrated payment solutions?\":\"What kind of customer support or technical assistance is provided with integrated payment solutions?\",\"WhatsApp payments\":\"WhatsApp payments\",\"What’s an example of integrated payments?\":\"What’s an example of integrated payments?\",\"Whether your users sell online or in person, quickly integrate with MONEI Connect to help them accept <2>more payment methods</2>.\":\"Whether your users sell online or in person, quickly integrate with MONEI Connect to help them accept <2>more payment methods</2>.\",\"Write a review\":\"Write a review\",\"You will periodically receive reminders about your application status.\":\"You will periodically receive reminders about your application status.\",\"You will receive a monthly newsletter with the latest blog articles, payment insights and trends, expert business tips, and MONEI news.\":\"You will receive a monthly newsletter with the latest blog articles, payment insights and trends, expert business tips, and MONEI news.\",\"Your name\":\"Your name\",\"cards\":\"cards\",\"email is required\":\"email is required\",\"iDEAL\":\"iDEAL\",\"reviews\":\"reviews\",\"selling.description\":\"With MONEI, we set out to redefine our understanding of e-commerce. With child-like simplicity, military grade security and speed of a superhero, we made it the best experience possible for our merchants.\",\"should be a valid email\":\"should be a valid email\",\"¿Cuáles son los principales beneficios de las soluciones de pago integradas para plataformas y marketplaces a través de MONEI Connect?\":\"¿Cuáles son los principales beneficios de las soluciones de pago integradas para plataformas y marketplaces a través de MONEI Connect?\",\"🚀 Best Payment Platform for Business Growth\":\"🚀 Best Payment Platform for Business Growth\"}","language":"en"}}]},"prismic":{"allCategorys":{"edges":[{"node":{"title":"E-Commerce Tips","_meta":{"uid":"e-commerce-tips","lang":"en-gb"},"order":2}},{"node":{"title":"MONEI News","_meta":{"uid":"monei-news","lang":"en-gb"},"order":4}},{"node":{"title":"Retail Tips","_meta":{"uid":"retail-tips","lang":"en-gb"},"order":3}},{"node":{"title":"Payments Technology","_meta":{"uid":"payments-technology","lang":"en-gb"},"order":1}}]},"post":{"title":[{"type":"heading1","text":"Google's Universal Commerce Protocol, Explained: What It Means for Merchants and Their Payment Stack","spans":[],"direction":"ltr"}],"meta_title":[{"type":"heading1","text":"Google's Universal Commerce Protocol, Explained","spans":[],"direction":"ltr"}],"body":[{"type":"paragraph","text":"Agentic commerce is moving from concept to plumbing. In the last eighteen months,  a new layer of protocols has emerged to govern how AI assistants discover, negotiate, and transact on behalf of users. Anthropic's Model Context Protocol (MCP) established the broader integration layer — connecting AI systems to external tools and data sources. ","spans":[{"start":214,"end":242,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/monei-mcp/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"On top of that foundation, Google has introduced two commerce-specific standards: Agent Payments Protocol (AP2), focused on delegated payment mandates, and Universal Commerce Protocol (UCP), a broader specification that sits above payments and covers the entire merchant-to-AI-platform interaction. UCP was co-developed with Shopify and launched in January 2026, already backed by a coalition of 20+ retailers and platforms. ","spans":[{"start":82,"end":111,"type":"strong"},{"start":156,"end":189,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"If your store sells through Shopify, WooCommerce, Magento, or a custom stack today, the question is no longer whether customers will discover and buy your products through Gemini, Google AI Mode, or potentially other AI platforms. It's how — and what that means for your checkout, your tokens, your PSP, and your liability as merchant of record.","spans":[{"start":28,"end":35,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/shopify-payment-gateway/","target":"_blank"}},{"start":37,"end":48,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/woocommerce-payment-gateway/","target":"_blank"}},{"start":50,"end":57,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/magento-payment-gateway/","target":"_blank"}},{"start":110,"end":117,"type":"em"},{"start":110,"end":118,"type":"strong"},{"start":236,"end":239,"type":"em"},{"start":236,"end":240,"type":"strong"},{"start":299,"end":302,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-a-psp/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"This post breaks down UCP from a payments perspective. What it solves, how the flow actually works, where the payment service provider fits, and what a European merchant should be thinking about as the standard rolls out.","spans":[],"direction":"ltr"},{"type":"heading2","text":"Table of content","spans":[],"direction":"ltr"},{"type":"list-item","text":"The N×N problem UCP is trying to solve","spans":[{"start":0,"end":38,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/google-ucp-explained/#the-n×n-problem-ucp-is-trying-to-solve","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"The actors","spans":[{"start":0,"end":10,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/google-ucp-explained/#the-actors","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"How a UCP transaction actually works","spans":[{"start":0,"end":36,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/google-ucp-explained/#how-a-ucp-transaction-actually-works","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"The variations that matter","spans":[{"start":0,"end":26,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/google-ucp-explained/#the-variations-that-matter","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Six things to internalize","spans":[{"start":0,"end":25,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/google-ucp-explained/#six-things-to-internalize","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"What this means if you're a European merchant","spans":[{"start":0,"end":45,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/google-ucp-explained/#what-this-means-if-youre-a-european-merchant","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Where MONEI fits","spans":[{"start":0,"end":16,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/google-ucp-explained/#where-monei-fits","target":"_blank"}}],"direction":"ltr"},{"type":"heading2","text":"The N×N problem UCP is trying to solve","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Without a shared protocol, every merchant who wants to sell through every AI platform has to build a separate integration with each one. Three platforms means three integrations, each with its own spec, each with its own product-feed format, cart structure, checkout API, and payment surface. Five platforms means five. The work compounds, the maintenance burden compounds, and small merchants get priced out entirely.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"UCP is a common agentic commerce language, co-developed by Google and Shopify. One spec, published openly, that any AI platform and any merchant can adopt. A merchant who exposes a UCP-compliant endpoint can be discovered and transacted with by every UCP-compliant platform — without bespoke work for each.","spans":[{"start":156,"end":274,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Importantly, the traffic does not route through Google. UCP is a specification, not a marketplace. Communication happens directly between the AI platform and the merchant. Google publishes the standard; the participants own the connection.","spans":[{"start":121,"end":129,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/monei/ag7Bn6YofJOwHeWV_UCP_Diagram_Detailed_1.original-1-.png?auto=format,compress","alt":"Google's Universal Commerce Protocol diagram detail","copyright":null,"dimensions":{"width":4624,"height":2234}},{"type":"paragraph","text":"Source: Google  ","spans":[{"start":8,"end":14,"type":"hyperlink","data":{"link_type":"Web","url":"https://developers.googleblog.com/under-the-hood-universal-commerce-protocol-ucp/","target":"_self"}}],"direction":"ltr"},{"type":"heading2","text":"The actors","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Four entities show up in a UCP transaction:","spans":[],"direction":"ltr"},{"type":"list-item","text":"The platform. The AI-powered interface where the buyer is interacting — a chat assistant, an agent, a voice surface.","spans":[{"start":0,"end":13,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"The business. The merchant. (UCP uses business throughout; we'll follow that convention.)","spans":[{"start":0,"end":13,"type":"strong"},{"start":38,"end":46,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"The credentials provider. The party that holds and tokenizes payment credentials — Google Pay, Apple Pay, PayPal, or the equivalent.","spans":[{"start":0,"end":25,"type":"strong"},{"start":83,"end":93,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/google-pay/","target":"_blank"}},{"start":95,"end":104,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/apple-pay/","target":"_blank"}},{"start":106,"end":112,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/paypal/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"The payment service provider (PSP). The acquirer-facing party that processes the resulting payment token. This is where MONEI sits.","spans":[{"start":0,"end":35,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"A clean separation of concerns. The AI platform handles discovery and conversation. The business handles catalog, inventory, fulfillment, and merchant-of-record obligations. The credentials provider handles tokenization and authentication. The PSP handles processing, acquiring, and settlement.","spans":[],"direction":"ltr"},{"type":"heading2","text":"How a UCP transaction actually works","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/monei/ag7CTqYofJOwHeWt_triptych-alt.original-2-.jpg?auto=format,compress","alt":"Google's UCP payment flow example","copyright":null,"dimensions":{"width":1700,"height":1179}},{"type":"paragraph","text":"Source: Google. Example Query: \"Find a light-weight suitcase for an upcoming trip.\"","spans":[{"start":8,"end":14,"type":"hyperlink","data":{"link_type":"Web","url":"https://developers.googleblog.com/under-the-hood-universal-commerce-protocol-ucp/","target":"_self"}},{"start":32,"end":81,"type":"em"}],"direction":"ltr"},{"type":"heading3","text":"Step 1: Profiles published in advance","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Both the platform and the business publish a UCP profile — a structured document declaring which version of UCP they support, which services (REST API, MCP, etc.) they speak, which capabilities they offer (catalog, cart, checkout, orders, identity linking), and — critical for payments — which payment handlers they support (Google Pay, Apple Pay, raw card, saved cards, AP2 mandates, and so on).","spans":[{"start":132,"end":140,"type":"strong"},{"start":181,"end":193,"type":"strong"},{"start":294,"end":310,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"The business hosts its profile at a UCP-defined web address on its own servers. The platform does the same.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Step 2: Capability negotiation","spans":[],"direction":"ltr"},{"type":"paragraph","text":"When a platform wants to engage with a business, it fetches the business's profile, sends its own profile back, and the two compute the intersection of jointly supported services and capabilities. The platform then picks which service to use from that intersection.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"This negotiation can happen in advance and be cached. Platforms don't need to wait for a user's intent to look up business profiles — they can pre-negotiate with thousands of merchants and have the connection warm by the time a user asks \"find me a vegan pizza near Plaça de Catalunya.\"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Step 3: Product discovery","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Once a service and capabilities are agreed, the platform can call the business's catalog endpoints. Two patterns:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Search — the platform sends a query (\"pizza\") and the business returns matching products with metadata, IDs, SKUs, variants, prices, and links.","spans":[{"start":0,"end":6,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Lookup — the platform already knows specific product IDs (single or batch) and fetches their details.","spans":[{"start":0,"end":6,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"The business responds with structured product data the platform can render in its own UI.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Step 4: Checkout session","spans":[],"direction":"ltr"},{"type":"paragraph","text":"When the user confirms intent to buy, the platform sends a checkout-session request to the business. This call carries the line items, billing address, and shipping address.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"The business validates everything (availability, pricing, address support), generates a checkout ID, and responds with:","spans":[],"direction":"ltr"},{"type":"list-item","text":"The checkout ID","spans":[],"direction":"ltr"},{"type":"list-item","text":"Expiry and a fallback checkout link","spans":[],"direction":"ltr"},{"type":"list-item","text":"The list of supported payment handlers for this specific checkout, plus their merchant-specific configuration","spans":[{"start":22,"end":38,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"It's that last piece that matters most for payments. The business is telling the platform, \"for this transaction, I accept Google Pay configured against my account ID X, with these card networks and these issuer-country constraints.\" The merchant's payment surface is being projected into the platform's UI in a structured, controllable way.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Step 5: Payment authorization","spans":[],"direction":"ltr"},{"type":"paragraph","text":"The platform shows the user only the payment options that meet the business's constraints. The user picks one — say Google Pay.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Google Pay (the credentials provider) authenticates the user, generates a business-specific payment token based on the merchant's configuration, and hands that token to the platform. The platform never sees the raw PAN. The token is bound to that merchant; it cannot be replayed against a different one.","spans":[{"start":74,"end":105,"type":"strong"}],"direction":"ltr"},{"type":"heading3","text":"Step 6: Checkout completion","spans":[],"direction":"ltr"},{"type":"paragraph","text":"The platform sends a final checkout request to the business with the payment token, the checkout ID, and any other required details. The business hands the token to its PSP. The PSP processes the payment — running any required checks against the credentials provider — and returns a result to the business, which in turn returns fulfillment details to the platform.","spans":[{"start":69,"end":82,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/","target":"_blank"}},{"start":182,"end":203,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-credit-card-processing/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"The order capability (which we won't go deep on here) then handles tracking links, delivery status, and post-purchase events.","spans":[],"direction":"ltr"},{"type":"heading2","text":"The variations that matter","spans":[],"direction":"ltr"},{"type":"paragraph","text":"UCP isn't one payment flow — it's a shell that accommodates several, each appropriate for a different scenario.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Raw card entry. When the user wants to enter a new card, the credentials provider's PCI-compliant iframe is rendered inside the platform's interface. The platform never touches PAN data. The iframe produces a token usable downstream by the business and its PSP.","spans":[{"start":0,"end":15,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Saved card at the merchant. If the user already has cards on file with the business, no retokenization is needed. The platform displays the user's saved cards at that merchant; the user picks one; the platform passes a reference (a payment-method ID), not a fresh token. This requires UCP's identity-linking capability — the platform has to be able to recognize the user as a known account at the business.","spans":[{"start":0,"end":27,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Google Pay. At launch, UCP's checkout flow uses standard funding PANs stored in Google Wallet. Additional payment forms — including Apple Pay and PayPal — are part of the broader spec but may not be fully live across all integrations yet.","spans":[{"start":0,"end":12,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Delegated agentic purchases (AP2). When the user authorizes the AI to buy on their behalf under specific conditions, those conditions are captured as a payment mandate signed at authorization time. When the conditions are later met, the platform requests a token from the credentials provider, which generates a mandate-bound, merchant-compliant token. This is where Google's AP2 protocol lives — it's UCP's recommended (but not required) payment-protocol for delegated scenarios.","spans":[{"start":0,"end":34,"type":"strong"},{"start":152,"end":167,"type":"strong"}],"direction":"ltr"},{"type":"heading2","text":"Six things to internalize","spans":[],"direction":"ltr"},{"type":"o-list-item","text":"Each payment method defines its own spec inside UCP. UCP standardizes the shell — the profiles, the negotiation, the checkout envelope — but the rules of how a Google Pay token or an Apple Pay token or an AP2 mandate behaves are still defined by the relevant authority. UCP doesn't replace payment-method standards; it harmonizes how they're advertised and consumed.","spans":[{"start":0,"end":52,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"UCP solves the N×N problem at the payments layer too. By keeping payment architecture decoupled, UCP lets new payment methods plug in without each platform-merchant pair re-integrating.","spans":[{"start":0,"end":53,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"UCP is payment-protocol agnostic. Google promotes AP2 for delegated-shopping scenarios, but UCP works with other agentic-payment protocols. A business can support whatever payment surface it wants, provided it's exposed in the profile.","spans":[{"start":0,"end":33,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"The business stays merchant of record. This is the single most important sentence in the whole spec for a regulated PSP-merchant relationship. The AI platform does not absorb merchant-of-record obligations. PCI scope, refunds, chargebacks, dispute liability, AML obligations — all stay where they were. UCP is plumbing, not a marketplace flip.","spans":[{"start":0,"end":38,"type":"strong"},{"start":207,"end":216,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/understanding-pci-compliance/","target":"_blank"}},{"start":227,"end":238,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/chargebacks-prevention/","target":"_blank"}}],"direction":"ltr"},{"type":"o-list-item","text":"Escalations stay on the merchant's domain. When 3D Secure, SCA, or KYC is required, the user is handed off via a web view to whatever URL the business provides. PSD2-grade strong customer authentication continues to live where it always did.","spans":[{"start":0,"end":42,"type":"strong"},{"start":48,"end":57,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-3d-secure-and-its-advantages-for-e-commerce/","target":"_blank"}},{"start":59,"end":62,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/sca/","target":"_blank"}},{"start":67,"end":70,"type":"hyperlink","data":{"link_type":"Web","url":"https://support.monei.com/hc/articles/18709966015505","target":"_blank"}},{"start":161,"end":165,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/psd2/","target":"_blank"}}],"direction":"ltr"},{"type":"o-list-item","text":"Discovery is not in scope. Each AI platform decides how it ranks, recommends, or presents products. UCP defines the communication language between platform and business — not the AI's editorial logic.","spans":[{"start":0,"end":26,"type":"strong"}],"direction":"ltr"},{"type":"heading2","text":"What this means if you're a European merchant","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Three things to plan for.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Your PSP needs to operate inside this model. When the business hands the payment token to its processor, that processor needs to accept tokens from the credentials providers your customers actually use — Google Pay, Apple Pay, raw card via PCI iframe, and increasingly AP2-style mandates. If your PSP isn't on track to support agentic-commerce flows natively, that's a roadmap question to ask now, not in 2027.","spans":[{"start":0,"end":44,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Your checkout configuration needs to be expressive. UCP profiles carry constraints — accepted card networks, issuer-country rules, supported payment methods per region. If your current PSP doesn't let you configure checkout granularly per channel, you'll struggle to project a clean payment surface into AI platforms.","spans":[{"start":0,"end":51,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"SCA, refunds, and disputes don't go away. They get more interesting. A delegated AP2 purchase where the user pre-authorized a mandate four days ago isn't the same evidentiary record as a user-present checkout. If a chargeback arrives, the mandate, the conditions, and the platform-side audit trail all become part of representment. PSPs and merchants need to think now about how that evidence is captured and stored.","spans":[{"start":0,"end":41,"type":"strong"}],"direction":"ltr"},{"type":"heading2","text":"Where MONEI fits","spans":[],"direction":"ltr"},{"type":"paragraph","text":"MONEI's bet is that European merchants will need a payment layer that is fluent in every agentic protocol that matters — UCP, MCP, AP2, and whatever comes next — without exporting their merchant-of-record status, their PCI compliance, or their regulatory standing to the AI platform.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"We've already shipped a public MCP Server that lets AI assistants interact with MONEI accounts directly, and we run a parallel research track on the Machine Payments Protocol — the broader question of how machine-to-machine commerce gets settled inside Europe's regulatory perimeter. UCP slots into that thesis cleanly: it's the merchant-platform language, MCP and AP2 are payment-side standards, and a PSP licensed by the Banco de España is what makes the resulting transaction legal, settled, and SCA-compliant under PSD2.","spans":[{"start":24,"end":41,"type":"hyperlink","data":{"link_type":"Web","url":"https://mcp.monei.com","target":"_blank"}},{"start":407,"end":438,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/payment-institution-license-monei-banco-de-espana/","target":"_self"}}],"direction":"ltr"},{"type":"paragraph","text":"Agentic commerce is going to be a multi-protocol world. The merchants who win are the ones whose payment stack is ready for that on day one — not the ones still building bespoke integrations when the third major protocol launches.","spans":[{"start":0,"end":16,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/agentic-commerce/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"\nIf you want to talk through what your roadmap should look like, we're here.","spans":[{"start":65,"end":75,"type":"hyperlink","data":{"link_type":"Web","url":"https://support.monei.com/hc/requests/new","target":"_self"}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/monei/6582bc7b531ac2845a26ce6d_Blog_CTA_EN.webp?auto=format,compress","alt":null,"copyright":null,"dimensions":{"width":2502,"height":848},"linkTo":{"link_type":"Web","url":"https://dashboard.monei.com/?action=signUp&utm_source=MONEI+Blog+%28EN%29&utm_medium=CTA&utm_campaign=Google+ucp"}}],"cta":null,"summary":[{"type":"paragraph","text":"This post breaks down UCP from a payments perspective. What it solves, how the flow actually works, where the payment service provider fits, and what a European merchant should be thinking about as the standard rolls out.","spans":[],"direction":"ltr"}],"image":{"dimensions":{"width":1248,"height":702},"alt":null,"copyright":null,"url":"https://images.prismic.io/monei/ag6-zqYofJOwHeU6_ooi-jiet-mXPukrX-794-unsplash-1-.jpg?auto=format,compress&rect=0,0,1920,1080&w=1248&h=702"},"image_source":null,"custom_html":null,"meta_description":[{"type":"paragraph","text":"What is Google's UCP and what does it solve from a payments perspective? As a European merchant, what should you be thinking about as the standard rolls out?","spans":[],"direction":"ltr"}],"category":"payments-technology","updated_at":null,"author_card":{"__typename":"PRISMIC_Author","author_name":[{"type":"heading3","text":"Alex Saiz Verdaguer","spans":[]}],"author_description":[{"type":"paragraph","text":"Alex Saiz Verdaguer is the founder and CEO of MONEI. When he’s not developing partnerships, overseeing product development, and thinking up new ways to innovate payments, you can find him skiing, spending time with his daughter, or working on his next artistic project.","spans":[]}],"author_image":{"dimensions":{"width":600,"height":800},"alt":null,"copyright":null,"url":"https://images.prismic.io/monei/ZkHah0FLKBtrWzuz_ce1c4cc9-b854-4dc3-8383-e56b4ec6e95b_Alex_Saiz-1-.jpg?auto=format,compress"},"_meta":{"uid":"alex-saiz"}},"_meta":{"uid":"google-ucp-explained","lang":"en-gb","alternateLanguages":[{"lang":"es-es"}],"firstPublicationDate":"2026-05-21T08:39:56+0000","tags":["AI","Payment Trends","Agentic payments"]},"slice_zone":null},"prevArticle":{"title":[{"type":"heading1","text":"MONEI is now AI-native: introducing the MONEI MCP Server","spans":[],"direction":"ltr"}],"_meta":{"uid":"monei-mcp","lang":"en-gb","type":"post"}},"nextArticle":null},"popularPosts":{"allPosts":{"edges":[{"node":{"title":[{"type":"heading1","text":"QR Code Payments: What They Are, How They Work, and How to Accept Them  ","spans":[]}],"_meta":{"uid":"qr-code-payments"}}},{"node":{"title":[{"type":"heading1","text":"Fintech vs Traditional Banks: Competition or Collaboration? 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