Visa partners with OpenAI to access ChatGPT for shopping payments, exploring a new model of AI agents participating in transactions.

Visa will collaborate with OpenAI to provide payment support for shopping transactions completed by users through ChatGPT and related AI agents. According to the collaboration arrangement, Visa will provide payment networks, security infrastructure, payment credential management, authorization, and fraud monitoring capabilities; AI agents initiating transactions will still need to follow user preset permissions, including spending limits, approval thresholds, and other restrictions. The report stated that this collaboration is part of Visa's "Intelligent Commerce" program, demonstrating that payment institutions are accelerating the establishment of authorization, identity recognition, and risk control mechanisms for AI agents participating in product searches, purchase decisions, and transaction execution.