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💳 Visa and Mastercard Agentic AI: The Future of Bot-Driven Commerce

Updated: Jun 23

NewBits Digest banner, featured in article on visa and mastercard agentic AI, highlighting efforts to enable bot-driven commerce and reshape digital payments infrastructure.

Visa and Mastercard are accelerating efforts to enable agentic AI-driven commerce, where AI bots act as consumers’ autonomous shopping agents. These bots can search, select, and pay for goods or services based on preset user criteria—ushering in a new era of automated, intelligent commerce. The Visa and Mastercard agentic AI push signals a fundamental shift in how digital payments and shopping will work going forward.


🔑 Key Developments


Visa and Mastercard both announced major collaborations in April 2025:


  • Visa is partnering with Stripe, among others, to support secure bot transactions.


  • Mastercard is working with Microsoft, Checkout.com, Braintree, and IBM, and will use tokenization to secure agent payments.


  • PayPal is already facilitating automated payments through a partnership with Perplexity AI.


  • Amazon is testing a “Buy for Me” feature.


  • Walmart is studying shopper perceptions of agentic commerce.


🎯 Core Goals


  • Enable frictionless shopping by removing digital obstacles during checkout


  • Give consumers control and trust over what bots can purchase


  • Use tokenization for fraud prevention and secure authentication


  • Develop guardrails to prevent bots from unauthorized spending or fraud


🗣️ What Industry Leaders Are Saying


  • Visa CFO Chris Suh: Agentic AI could transform commerce like e-commerce did for brick-and-mortar.


  • Mastercard CSO Craig Vosburg: This is “the next step in the evolution of commerce.”


📈 Strategic Implications


  • New Revenue Channels: Each bot-driven transaction = more volume for card networks


  • Competitive Arms Race: Traditional financial players now compete with digital-first companies like PayPal, Amazon, and Stripe


  • Shift in Consumer Behavior: This moves commerce from user-initiated browsing to AI-initiated fulfillment


🧩 Challenges & Open Questions


  • Authentication & Consumer Approval: How will buyers review or approve purchases before or after bots act?


  • Fraud & Manipulation: How will networks protect against bad actors hijacking AI agents?


  • Policy & Governance: Who is liable if a bot makes a bad purchase?


🧠 Takeaway: Visa and Mastercard Agentic AI Is Reshaping Commerce


The Visa and Mastercard agentic AI strategy marks a turning point in how commerce is conducted. Financial giants are quickly adapting to an agent-driven model, where AI agents become trusted shoppers for consumers. This trend is poised to redefine e-commerce UX, raise new regulatory and ethical questions, and reshape digital payments infrastructure—fast.



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