Visa debuts AI-powered commerce platform enabling automated secure purchases
Visa introduces Intelligent Commerce platform allowing AI assistants to make purchases using tokenized payment credentials while giving users control over spending limits and merchant categories.
Visa has unveiled its Intelligent Commerce platform, enabling AI assistants to make purchases on behalf of users while maintaining security through tokenized payment credentials. The system, announced at Visa's Global Product Drop event, aims to bridge the gap between product discovery and transaction completion in AI-driven shopping.
How It Works
- Replaces traditional card details with tokenized digital credentials accessible by authorized AI agents
- Users set parameters like spending limits and merchant categories (e.g., "book flights under $500")
- AI handles cross-platform searching, comparison, and checkout without manual payment entry
Security Measures
Visa emphasizes its fraud prevention track record ($40 billion blocked in 2024) and implements:
- AI-Ready Cards with tokenization (details)
- Identity verification for AI agent authorization
- Real-time transaction monitoring
Partnerships & Adoption
The platform collaborates with 20+ partners including:
Pilot programs are expected in coming months, leveraging Visa's network across 200 countries.
Consumer Trust Challenges
While promising convenience, the system faces skepticism about:
- AI access to financial data
- Psychological barriers to outsourcing purchase decisions
Visa suggests starting with low-risk transactions to build trust gradually.
"AI adoption is real... it's hard to imagine AI commerce not catching up" — Rubail Birwadker, Visa SVP
This initiative marks a significant shift toward agentic commerce, where algorithms handle both product selection and payment execution.
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About the Author
David Chen
AI Startup Analyst
Senior analyst focusing on AI startup ecosystem with 11 years of venture capital and startup analysis experience. Former member of Sequoia Capital AI investment team, now independent analyst writing AI startup and investment analysis articles for Forbes, Harvard Business Review and other publications.