Giant payments and mastercard visa have unveiled purchases fueled by AI, at Make purchase experiences for users more personal, more secure and more practical.
Visa brings the power of its network and the expertise of the decades to provide confidence and security to the trade focused on AI. Presented Wednesday, Visa deploys “Smart trade visa ”which Allows AI to find and buy. This is a new revolutionary initiative which opens the visa payment network to developers and engineers who build fundamentals agents who transform trade.
In a press release, the head of visa chief and strategy, Jack FORFULLL said, said
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“”People will soon have AI agents browse, select, buy and manage on their behalf. These agents will have to trust payments, not only by users, but also by banks and sellers. Like the passage of online physical purchases and from the online line to the mobile, Visa establishes a new standard for a new era of commerce. Now, with Visa Intelligent Commerce, AI agents can find, buy and buy for consumers according to their preselected preferences. Each consumer sets the limits and the visa helps manage the rest. »»
Intelligent Visa Commerce Offer:
• Ready cards for AI: Replaces the card details with digital token identification information, improving safety for consumers and simplifying payment processes for developers. They confirm that the chosen agent of a consumer is authorized to act in the name of a consumer and to provide an verification of identity to the trade of the AI. Only the consumer can instruct the agent on what to do and when to activate a payment diploma.
• Personalization supplied by AI: The consumer controls. Consumers share basic visa expenses and buy information with their consent to improve agent performance and personalize purchasing recommendations.
• simple and secure AI payments: Allows consumers to easily set expenditure and conditions limits, providing clear guidelines for agent transactions. The trade signals are shared in real time with VISA, allowing VISA to carry out transaction controls and to help manage disputes.
Visa says that it is collaborating with a mixture of technology giants and startups to develop shopping experiences powered by AI which are “more personal, more secure and more practical”. These companies include Anthropic, IBM, Microsoft, Mistral AI, Openai, Perplexity, Samsung and Stripe, among others.
This decision follows the Mastercard launch of its agent payment program, Mastercard Agent Pay. The revolutionary solution fits into the agentic AI to revolutionize trade. This would give AI agents the possibility of shopping online for consumers. Mastercard said that its new agent remuneration offer “will improve AI generating conversations for people and businesses” by integrating payments into recommendations and custom information already provided on conversational platforms.
In a press release, Jorn Lambert, mastercard product manager, said,
“”Mastercard transforms the way the world pays for the best by anticipating the needs of consumers on the horizon. The launch of MasterCard Agent PAY marks our first steps in the redefinition of trade in the AI era, including new merchant interfaces to distinguish confidence agents from bad players using agent technology. Recognizing the seismic implications of this development, we want to collaborate with industry players to advance agency payments, such as the application of the model context protocol to secure remote trade. This sets the foundations for the scale and strengthens confidence in agency trade. »»
Mastercard said it will work with Microsoft on new use cases to scale the “agent trade”, as well as with IBM, Braintree and Checkout.com on other aspects of purchases supplied by AI.
Visa and Mastercard are not the only ones to allow purchases powered by AI. Tuesday, Paypal announced its own agent trade offer.
In addition, earlier this month, Amazon announced the start of testing a new AI shopping agent, a feature he calls “buy for me”, with a subset of users. OPENAI, Google and Perplexity have also presented similar agents who may visit websites and help users make purchases.
Ahead
The rise of personal purchase services powered by AI means an evolution towards more personalized, effective and focused retail experiences. While these technologies continue to evolve, they promise to reshape the purchasing landscape in a way that we can only start to imagine.
