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ZDNET's key takeaways
Visa will secure agentic payments in OpenAI systems.
AI-driven payments are a still-developing security landscape.
Consumers and businesses alike face potential risks.
Agentic commerce is a rapidly growing frontier of AI for consumers and businesses, reiterated by Google's recent launch of Universal Cart at I/O in May. This week, Visa and OpenAI further solidified that infrastructure -- but how reliable are AI agents when it comes to making purchases?
On Wednesday, the two companies announced a partnership to provide Visa-protected agentic transactions within OpenAI and effectively "bring agentic commerce into the mainstream," as Visa said in its release. Visa's Trusted Agent Protocol, among its other authorization and security layers, will integrate with OpenAI interfaces, like Atlas and ChatGPT Shopping, and allow developers and merchants to accept payments from agents.
(Disclosure: Ziff Davis, ZDNET's parent company, filed an April 2025 lawsuit against OpenAI, alleging it infringed Ziff Davis copyrights in training and operating its AI systems.)
"Transactions operate inside guardrails that the consumer or business sets: spending limits, required approval thresholds, and other permission layers that keep the buyer in command even when an agent is executing the work," Visa explained.
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