Overview
- Visa has unveiled Visa Intelligent Commerce, a platform designed to support agentic AI shopping by enabling AI agents to autonomously search for, select, and purchase goods on behalf of users.
- Key features include tokenized digital credentials for secure payments, user-defined spending limits, and consent-based sharing of purchase insights for improved personalization.
- Pilot projects have begun with leading AI developers such as Anthropic, Microsoft, OpenAI, and Perplexity, with broader adoption and merchant integration expected in 2026.
- Mastercard has introduced a competing program, Agent Pay, which uses similar AI-driven capabilities and partnerships with Microsoft to scale agentic commerce.
- These initiatives aim to reduce friction in e-commerce by automating routine transactions, leaving users to make only final purchasing decisions.