- Visa-OpenAI partnership brings agent payments to ChatGPT and Atlas
- Tokenized credentials and collateral protect your money
- MasterCard announced similar technology last year
Visa announced a partnership with OpenAI to integrate secure payments into AI and agent-based e-commerce experiences, including those conducted through ChatGPT and the Atlas Browser.
As part of this new collaboration, AI agents operating within OpenAI products will be able to initiate and execute Visa-backed transactions on behalf of users.
It essentially lays the foundation for OpenAI to use agents to take care of the entire shopping journey on behalf of users, including purchases, payments, and reservations.
OpenAI gains new access to Visa payments
This means developers and merchants will benefit from a new standardized way to accept agent-made Visa payments, but the payments giant stressed that safeguards will remain in place with controls such as spending limits, merchant category restrictions and approval requirements all available to end users.
Just as we expect the added security of Apple Pay to not share our card details, Visa will also use tokenized credentials to avoid exposing the finer details of the card.
“As AI agents become active participants in the economy, Visa’s priority is to ensure that transactions are reliable, secure and transparent,” explained Jack Forestell, chief product and strategy officer. “This is the infrastructure we are building with partners like OpenAI.”
While we are still in the early days of agent payments and agent e-commerce in general, piece-by-piece announcements risk leaving gaps in the broader ecosystem. This particular partnership puts Visa in the hands of OpenAI, but excludes other AI companies like Gemini and Claude.
Other payment providers, like MasterCard and Amex, are also expected to support similar initiatives. A year ago, MasterCard did just that, announcing its own Agent Pay platform as the benchmark for future agent payments.
“By integrating Visa Intelligent Commerce, we are building the infrastructure for secure, transparent, user-controlled agent transactions,” added Marco Mahrus, OpenAI Head of Partnerships, Commerce.
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