PaymentsJournal
No Result
View All Result
SIGN UP
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
PaymentsJournal
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
No Result
View All Result
PaymentsJournal
No Result
View All Result

Visa Aims to Safeguard Agentic Commerce Transactions

By Wesley Grant
October 15, 2025
in Agentic Commerce, Analysts Coverage, Emerging Payments, Merchant
0
0
SHARES
0
VIEWS
Share on FacebookShare on TwitterShare on LinkedIn
visa agentic

As artificial intelligence plays a growing role in purchasing decisions, Visa is launching its Trusted Agent protocol to give merchants more visibility into the process.

In the emerging agentic commerce environment, merchants will need the ability to screen AI agents and filter out bots and bad actors. Visa’s platform was developed to enable exactly that—using agent-specific cryptographic signatures and other unique identifiers.

These identifiers can convey information about an agent’s intent, such as details about the products being sought or evidence of prior interactions between the consumer and merchant. Visa’s system can also determine whether an agent has payment functionality compatible with a merchant’s preferred checkout methods.

The Continued AI Emergence

Visa underscored that this solution was necessitated by the continued rise of AI in retail transactions. The company cited data from Adobe showing that generative AI traffic increased by 4,700% year over year as of July, with most consumers who have used AI reporting that it has improved their shopping experience.

These trends have driven more companies to deploy AI across an array of use cases. For example, Klarna teamed up with Google to leverage its AI models to create personalized visuals and customized marketing campaigns within Klarna’s app.

Shepherding the Agents

Agentic commerce takes this a step further, giving AI agents the power to initiate and complete payments. This has naturally raised concerns about the safety and security of agentic transactions.

In Google’s Agent Payments Protocol (AP2)—another framework designed to shepherd AI agents—safeguards are implemented through the use of mandates. These digital contracts securely verify that an AI agent has followed a user’s instructions, including detailed data about the parameters and timing of a purchase.

Regardless of the specific protocol, security and fraud mitigation controls are necessary for agentic commerce to advance. This presents a challenging task: beyond detecting bots and fraudulent activity, these systems must also minimize false positives—while maintaining full transparency for both consumers and merchants throughout the process.

0
SHARES
0
VIEWS
Share on FacebookShare on TwitterShare on LinkedIn
Tags: Agentic AIAgentic CommerceAIAI AgentsTrusted Agent ProtocolVisa

    Get the Latest News and Insights Delivered Daily

    Subscribe to the PaymentsJournal Newsletter for exclusive insight and data from Javelin Strategy & Research analysts and industry professionals.

    Must Reads

    fraud escalate

    As Fraud Escalates, Taking a Beat Becomes a Critical Defense

    April 9, 2026
    privacy open banking

    As Open Banking Fuels Interconnectivity, Privacy Matters More

    April 8, 2026

    ACH Is Thriving, and Banks Are Struggling to Keep Pace

    April 7, 2026
    stablecoins, Klarna

    How Stablecoins Emerged as a Key Element of Cross-Border Payments

    April 6, 2026
    Cross-Border Payments

    How the U.S. Built Its Faster Payments Ecosystem

    April 3, 2026
    Young Latin woman applying powder on her face for beauty blog. Smiling woman sitting at table in cosy room holding powder box and brush looking at phone camera recording video. Make up and cosmetics blogging concept

    TikTok Aspires to Fintech Status with Payments, Credit Bids in Brazil

    April 2, 2026
    small business credit card

    What Banks Get Wrong About Small Business Credit Cards

    April 1, 2026
    embedded payments

    Embedding Payments for Growth: How ISVs Can Scale Through Vertical Focus and Partnerships

    March 31, 2026

    Linkedin-in X-twitter
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter

    ©2026 PaymentsJournal.com |  Terms of Use | Privacy Policy

    • Commercial Payments
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    No Result
    View All Result