Visa partners with OpenAI to let AI agents make payments for users
Visa Inc. has struck a deal with OpenAI Group PBC to let artificial intelligence agents make payments for users, bringing one of the world’s largest payment networks into ChatGPT’s push toward agentic commerce.
The companies announced the partnership at the Visa Payments Forum today in San Francisco. Under the agreement, Visa’s payment tools will be integrated into OpenAI’s products, giving developers and merchants a way to accept Visa transactions initiated by AI agents rather than by a user manually checking out each time.
Visa will supply the network, tokenization and risk capabilities behind the transactions. Payments will run within user-defined permissions such as spending caps, merchant categories and required approvals and will use tokenized Visa credentials with real-time authorization and fraud monitoring. Visa will also handle chargebacks and refunds.
The collaboration sits within Visa Intelligent Commerce, the company’s initiative for extending payment capabilities into AI-driven environments. The two companies said they will also explore enterprise uses, including developer experiences powered by OpenAI’s Codex coding agent. Codex agents could eventually buy inference, application programming interfaces, or other developer services on their own, within limits a user sets.
