The Rise of Agentic Commerce

AI is about to change how we pay

From AI assistant to AI shopper

66%

Of consumers surveyed have used AI in the last three months¹

92%

Of those using AI for shopping like it and say it enhances their experience²

1200%

Uplift in internet traffic going from GenAI websites directly to merchant websites in 2024²

At Visa, we know that staying ahead of emerging technology can be the difference between leading and catching up. Visa is here to support you with forward-looking research and practical guidance on the innovations that could shape your institution’s future. This white paper, “The Rise of Agentic Commerce,” explores how payments are likely to evolve as AI agents gain autonomy.

Inside, you’ll find:

How AI payment wallets and payment tools are creating new checkout paradigms
What autonomous transactions could look like
Why current payment infrastructure will need to adapt for agent-first commerce
How agent identity/authentication management will need to evolve

Visa is proud to partner with and invest in community financial institutions to help strengthen local economies. We aim to be an extension of your team to help bring innovation, trust, access and prosperity to your communities.

Download the whitepaper

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¹US Consumer Agentic Ecommerce Survey (concept test February 2025) commissioned by Visa (survey of 998 online shoppers who own a debit or credit card)

²Visa (2025), Visa Product Drop event. Visa: Visa Product Drop Event