Visa, OpenAI Launch Agentic Payments in ChatGPT as Security Risks Shadow AI Shopping
Updated
Updated · ZDNet · Jun 13
Visa, OpenAI Launch Agentic Payments in ChatGPT as Security Risks Shadow AI Shopping
3 articles · Updated · ZDNet · Jun 13
Summary
Visa will embed its Trusted Agent Protocol into OpenAI products including ChatGPT Shopping and Atlas, letting AI agents complete purchases under Visa-backed payment protections.
User-set guardrails — spending caps, merchant limits and approval thresholds — are meant to keep consumers and businesses in control while agents execute transactions with tokenization, real-time authorization and fraud monitoring.
Forrester analyst Geoff Cairns said agentic payments create new risks beyond traditional checkout, including mistaken or unauthorized purchases, unclear liability and fraud that could scale faster than dispute systems respond.
The deal extends a broader push into agentic commerce: OpenAI already works with Stripe on Instant Checkout, Google launched Universal Cart in May, and Mastercard unveiled Agent Pay for Machines this week.
Trust remains the main hurdle because AI shopping tools can still misidentify scam retailers before checkout, underscoring that the wider AI commerce ecosystem is evolving faster than its safeguards.
Is AI commerce the future of convenience or a gateway to unprecedented, scalable fraud?
When an AI shopping agent makes a rogue purchase, who is legally on the hook?
Unlocking Agentic Commerce: Visa and OpenAI’s Strategic Partnership to Transform Global Payments
Overview
On June 10, 2026, Visa and OpenAI announced a strategic partnership to unlock agentic commerce, marking a major step in integrating AI into global payments. This collaboration enables AI agents to complete purchases and payments for users across Visa’s network, reflecting Visa’s broader Intelligent Commerce strategy. As more than one in five transactions are now influenced by large language models, AI is shaping buying decisions faster than expected. This trend highlights the urgent need for robust payment infrastructure to support seamless, secure, and user-controlled AI-driven transactions, setting the stage for a new era in digital commerce.