Visa Launches AI-Powered Digital Financial Assistant

Visa is expanding beyond its role as a credit and debit card transaction network into value-added merchant services, focusing on agentic AI, stablecoins and digital assets. The shift could determine whether Visa can reduce its reliance on card-processing fees as payment methods rapidly evolve, while generating revenue from fraud prevention, data analytics and new settlement tools.

Visa executives recently said the company is advancing agentic commerce, in which AI agents can independently search, shop and make payments. It is also using AI to detect and block payment fraud such as romance scams while developing stablecoin applications. Reports did not provide investment figures, a formal launch date or projected new revenue, and Visa has yet to disclose a specific timetable.

Agentic commerce allows software to search for, select and purchase products with a user’s authorization, making identity verification, payment authorization and risk controls critical. Visa launched Visa Intelligent Commerce on April 30, 2025, to provide payment APIs to AI platforms. Connect further integrates the connection process, lowering adoption barriers for merchants, agent developers and payment service providers.

Visa unveiled Intelligent Commerce Connect on April 8, 2026. Through a single integration with the Visa Acceptance Platform, businesses can initiate payments, tokenize credentials, set spending controls and perform authentication, with support for APIs from Visa and other card networks. Seven companies, including AWS, Mesh and Payabli, are piloting the service, with a broader rollout planned during 2026. Visa did not disclose pricing or an investment amount.