Visa just handed ChatGPT a credit card. Well, sort of.
The payments giant announced a partnership with OpenAI at its Payments Forum in San Francisco on June 10, embedding Visa’s global payment network directly into ChatGPT. The integration lets AI agents research products, compare prices, and complete purchases at any merchant that accepts Visa, all under user-defined controls for spending limits, merchant selection, and transaction approval.
The move positions Visa at the center of what the industry is calling “agentic commerce,” a world where AI handles financial transactions on behalf of consumers. For a company that already processes over 300 billion transactions annually, adding an AI layer on top of that infrastructure is less a pivot and more a natural extension.
From failed checkout to AI-powered commerce
This isn’t OpenAI’s first attempt at turning ChatGPT into a shopping assistant. The company previously launched an Instant Checkout feature designed to let users buy products directly through the chatbot. It was retired in March 2026 after merchants largely ignored it.
