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3w ago

Visa Launches AI-Ready Payment Platform for Autonomous Shopping Agents

Visa Intelligent Commerce introduces tokenized credentials, user-controlled spending, and API access to enable AI agents to shop and transact independently.

FILE - A Visa logo is displayed on a credit card in New Orleans, Aug. 11, 2019. (AP Photo/Jenny Kane, File)
Close up macro color image depicting an abstract view of a collection of debit and credit cards and numeric digits.
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robot money

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.