San Francisco, USA – Visa and OpenAI have announced a strategic collaboration aimed at enabling secure digital payments within AI-powered commerce experiences, marking a move to integrate payment capabilities into agent-based transactions.
The partnership was unveiled at the Visa Payments Forum in San Francisco and will see Visa provide its payment network, credentialing technologies, and security infrastructure to support transactions initiated through OpenAI-powered agents.
The collaboration forms part of Visa’s broader Intelligent Commerce initiative, which focuses on extending payment capabilities into emerging digital environments. Through the partnership, Visa’s payment infrastructure will be integrated into OpenAI experiences, allowing developers and merchants to accept Visa payments initiated by AI agents.
According to the companies, the integration will include Visa’s tokenisation technology, risk management tools, real-time authorisation systems, and fraud monitoring capabilities to support secure transactions. Users will retain control over transactions through predefined permissions and policies, including spending limits, merchant category restrictions, and approval requirements.
Beyond payment capabilities, Visa and OpenAI said they will explore additional enterprise applications, including developer-focused experiences powered by Codex and conversational workflows designed to automate business and consumer interactions.
“AI will transform commerce more profoundly than the internet or mobile technology ever did,” said Jack Forestell, Chief Product and Strategy Officer, Visa. “As AI agents become active participants in the economy, Visa’s focus is to ensure transactions are trusted, secure and seamless. That’s the infrastructure we’re building with partners like OpenAI.”
Marco Mahrus, Head of Partnerships, Commerce at OpenAI, said the partnership is intended to support secure and transparent AI-enabled transactions.
“Commerce is going to happen in many more places and in many more ways than it does today, and agents will play an increasingly important role in helping people complete tasks that involve money—from purchases and payments to more complex transactions,” said Marco Mahrus, Head of Partnerships, Commerce at OpenAI.
He added, “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.”
