Visa and BBVA Prove Today’s Rails Can Handle Agentic Payments
Visa and BBVA Prove Today’s Rails Can Handle Agentic Payments
Publish Date: 2026-07-02 10:27:00
Source Domain: www.pymnts.com
- BBVA has initiated a first transaction using an artificial intelligence (AI) agent in collaboration with Visa.
- The AI agent conducted the transaction using real card credentials, supported by Visa’s technologies for security and fraud prevention.
- Visa’s Intelligent Commerce was utilized, employing tokenization, real-time fraud monitoring, and Visa Payment Passkey for biometric authentication.
- The transaction fulfilled the Strong Customer Authentication (SCA) requirements mandated by the European Union through these advanced technological solutions.
- The transaction was part of Visa’s Agentic Ready program, launched in Europe in March to allow banks testing AI-initiated payments through live systems alongside merchants.
- BBVA’s Roberto Pagán sees this project as a step forward in AI-driven commerce using existing infrastructure for scale, security, and control.
- Visa’s Eduardo Prieto emphasized that the company is facilitating the next phase of commerce by integrating AI systems through their existing network and security protocols.
- Visa anticipates the emergence of fully autonomous AI shopping agents in the next three years, starting with simple tasks and potentially encompassing more complex decisions.
