Visa Intelligent Commerce
Enabling safe, secure, and personalized AI commerce – at scale
available for use by
Independent Developers
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
FEES & TERMS
Free to use in Sandbox. Contact Visa for fees in Production.
Scaling AI commerce with personalized experiences and secure, friction-free transactions across the global acceptance ecosystem
Visa Intelligent Commerce provides the following capabilities to partners:
- Provisioning and life cycle management of agent-specific payment tokens that can be used by agents to make secure transactions on behalf of the user
- Personalization to improve and streamline the communication between the user and agent and allowing the agent to present personalized recommendations
- Controls to ensure that the agent’s purchasing actions and the related authorizations align with the user’s authenticated instruction
This product is in the process of development and deployment. Depictions are representations of potential features and sequences. May not be available in all markets.
Five Integrated Services
Tokenization
A new pass-through payment token, specific to agents, that is intended for use at Visa-accepting merchant locations.
Authentication
Capabilities to perform step up verification of the cardholder and set up a Passkey that will be used to authenticate Payment Instructions
Payment Instructions
New controls to ensure that payment credential requests match the user’s authenticated instructions and to validate that authorizations received by VisaNet match the original instruction
Signals
Collection of commerce signals that will provide the user’s original instruction and the details of each authorized purchase allow for the quick resolution of most disputes
Personalization
Agents may request the use of user insights for consenting users that will facilitate the personalization of the user’s experience
How It Works
Agent onboarding: Agents are onboarded onto the Visa Intelligent Commerce platform in order to access the 5 integrated services.
Agent specific tokens: Agents enable users to create accounts and provide users the option to add their Visa cards that can be used by the agent to make purchases on their behalf. This provisioning will include step up verification of the cardholder as well as setting up a Passkey that will be used by the agent to authenticate future instructions.
Deliver personalization: Agents may request the user’s consent to utilize the user insights from Visa to enhance the personalization of the experience.
Manage payment instructions: When an interaction between an agent and a user leads to a recommendation to make one or more purchases, the agent will request whether the user agrees that the agent can make the purchase on the user's behalf.
Authentication: The agent requests the user to authenticate the Payment Instruction using their Passkey and provides that instruction to the Visa Intelligent Commerce platform.
Retrieve payment credentials: When the agent is ready to purchase goods or services from one or more merchants, the agent requests payment credentials. Visa Intelligent Commerce platform will validate that these requests match the authenticated user instruction and set network level controls.
Make payments: The agent uses the payment credentials received from the Visa Intelligent Commerce platform to complete the purchases at the merchant(s). Initially this payment process will be facilitated using guest checkout, key entry (form fill).
Implement transaction controls: When authorization requests are received by VisaNet, controls will be enforce to ensure that the request originates from the intended merchant for the correct amount.
Share commerce signals: The agent will share the outcome of the purchase made at the merchant with the Visa Intelligent Commerce platform. These signals, along with the user instructions can be used to resolve any disputes that may arise.
Visa Agent APIs
Tokenization and Authentication
A set of APIs that enable provisioning and life cycle management of a payment token, step up verification of the cardholder and Passkey management
Payment Instructions and Signals
A set of APIs that enable enrolling of an agentic-specific token to the Visa Intelligent Commerce platform, submitting a user instruction, retrieving payment credentials to fulfill the user instruction and submitting the outcome of the purchases made to merchants
Personalization
A set of APIs that enable the retrieval of insights for a specific user (identified by the associated data token identifier)