Visa and Mastercard Compete to Integrate Advanced AI in Commerce Transactions

Visa and Mastercard are pioneering the use of agentic AI to transform shopping into a more personalized and autonomous experience, setting a new precedent in the realm of "intelligent commerce." This innovation aims to automate the buying process through AI-driven digital agents that operate based on user-defined preferences and rules, potentially enhancing security and transaction volumes.

Ivy Tran

June 13, 2025

Visa and Mastercard are tapping into agentic AI to reinvent how we shop, heralding a shift towards more personalized and autonomous purchasing experiences. As outlined in a recent Payments Dive article, these payment titans are not just enhancing transaction efficiency; they're reshaping the interaction between customers, merchants, and financial networks.

The concept of digital agents programmed to perform transactions on behalf of users is not entirely new. However, the scale at which Visa and Mastercard aim to integrate this technology into everyday commerce could revolutionize the sector. By utilizing advanced AI, these networks plan to enable digital agents to make purchases based on predefined user preferences and rules, effectively automating the buying process and potentially increasing transaction volumes.

Mastercard's approach leverages its expertise in tokenization to ensure secure and recurring transactions, while Visa emphasizes removing friction from online shopping, referring to these advancements as "intelligent commerce." This initiative isn't just about smoothing out the transaction process but also about making it deeply personalized and intuitive.

Yet, as Visa and Mastercard race to deploy these AI-driven shopping assistants, several challenges loom. The primary concern revolves around security and the prevention of unauthorized transactions. As these digital agents operate semi-independently, ensuring they function within the set boundaries and preferences of their human users without being hijacked by fraudsters is paramount. The companies have acknowledged the ongoing development of robust parameters to authenticate users and manage control settings effectively.

But why should the fintech community take note of this trend? This evolution speaks volumes about the future landscape of payment processing and the role AI could play in it. Companies involved in merchant services, such as those offering hosted crypto checkouts, could find valuable insights in how Visa and Mastercard are planning to enhance user autonomy and security. As financial transactions become more integrated with technology, the blueprint provided by these payment networks could serve as a pivotal reference point for integrating AI into financial services.

In sum, the move by Visa and Mastercard underscores a major pivot towards what could be termed "automated commerce," where convenience and customization are the top priorities. It's a fascinating development that could set new standards in how technology is harnessed to serve the evolving needs of consumers and merchants alike.

Sign up to Radom to get started