Visa Wants an AI Agent to 'Find & Buy' on User's Behalf

In a major step toward the future of commerce, Visa has announced a new initiative aimed at integrating its trusted payment infrastructure with the rapidly evolving world of AI agents.

Revealed at the Visa Global Product Drop, Visa Intelligent Commerce is designed to power a new era of AI-driven shopping — where intelligent agents not only assist with purchases but actively search, decide, and transact on behalf of consumers.

“Soon people will have AI agents browse, select, purchase and manage on their behalf. These agents will need to be trusted with payments, not only by users, but by banks and sellers as well," Visa’s Chief Product and Strategy Officer, Jack Forestell, said.

“Just like the shift from physical shopping to online, and from online to mobile, Visa is setting a new standard for a new era of commerce,” said Forestell. “Now, with Visa Intelligent Commerce, AI agents can find, shop and buy for consumers based on their pre-selected preferences. Each consumer sets the limits, and Visa helps manage the rest.”

According to the company, Visa Intelligent Commerce builds off more than 30 years of expertise working with AI and machine learning to manage risk and fraud to enable safe and secure payment experiences.

Together with AI industry leaders including Anthropic, IBM, Microsoft, Mistral AI, OpenAI, Perplexity, Samsung, Stripe and more, the company aims to enable personalised, secure AI commerce on a global scale.

Visa Intelligent Commerce introduces AI-ready cards with tokenised credentials for secure, agent-enabled payments. Consumers control when and how agents act on their behalf.

With consent, AI can access purchase insights for personalised recommendations. Real-time commerce signals and spending limits ensure simple, secure, and controlled AI-powered shopping experiences.