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Visa and OpenAI have announced a partnership to allow AI agents to make payments and complete purchases on behalf of users, marking a step toward what the companies describe as “agentic commerce.”
The collaboration, unveiled at the Visa Payments Forum in San Francisco, will integrate Visa’s payment infrastructure into OpenAI’s products, enabling AI agents to handle transactions while operating within user-defined limits such as spending caps, merchant restrictions, and approval requirements.
How the partnership will work: Under the arrangement, Visa will provide payment tokenization, transaction authorization, fraud monitoring and agent identification systems for payments initiated through OpenAI-powered services. The companies said transactions will use tokenized Visa credentials instead of exposing card details directly.
Part of Visa’s broader AI strategy: The move builds on Visa’s broader push into AI-powered payments. In 2025, the company launched Visa Intelligent Commerce, a platform that enables AI agents to search, select and buy products using tokenized payment credentials. Earlier this year, Visa also introduced AI tools to handle credit card disputes, saying it processed more than 106 million disputes globally in 2025. The OpenAI partnership extends those efforts into one of the world’s largest AI platforms.
Beyond consumer payments: Beyond consumer purchases, the companies said they will explore additional uses for payments within OpenAI’s ecosystem, including developer-focused applications linked to Codex, OpenAI’s coding agent, and automated business workflows involving procurement, invoicing, reconciliation, and payment execution.
Questions around AI-led transactions: As developers increasingly design AI systems to perform actions rather than simply provide information, this shift raises questions around transaction authorization, user control, agent identity, and fraud prevention.
“AI will transform commerce more profoundly than the internet or mobile technology ever did,” said Jack Forestell, Chief Product and Strategy Officer, Visa.
“By integrating with Visa Intelligent Commerce, we’re building the infrastructure for secure, transparent, and user-controlled agentic transactions, helping people do more with AI agents while maintaining confidence that payments are being handled safely and securely,” said Marco Mahrus, Head of Partnerships, Commerce at OpenAI.
The companies did not announce a launch timeline or specify when payment-enabled AI agents will become broadly available to consumers.
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