Protocol profile
Visa Intelligent Commerce (incl. Intelligent Commerce Connect)
In short
Visa's program for agent payments: tokenised credentials for agents, cardholder-defined payment instructions, and since April 2026 Intelligent Commerce Connect, a single acceptance integration for TAP, MPP, ACP and UCP traffic. For Visa IC, merchant of record is merchant and dispute rules are yes. Announced but not yet live: Stripe, Adyen, Skyfire, and 3 more.
Fact sheet
- Type
- Protocol
- Operator
- Visa
- Homepage
- visa.com
- Matrix reach
- 1 live, 1 pilot, 6 announced, 0 not supported, 19 with no statement found
Readiness for merchants
Seven rows, each read from a primary source on 4 Nov 2026. The method page defines every row.
| Rubric row | Reading | Evidence | Source and read date |
|---|---|---|---|
| Specification public | Partial | Rules are public in Visa Core Rules; API specifications sit behind the Visa Developer Center. | usa.visa.com, 4 Nov 2026 |
| Reference implementation | Partial | Visa MCP server and developer center; no open-source reference. | visa.com, 4 Nov 2026 |
| Live surfaces | None confirmed | Google says its UCP checkout uses standard FPANs; no surface states VIC tokens are live. | support.google.com, 4 Nov 2026 |
| Processor support | Pilot | Connect is in pilot with six named partners; Stripe says it may use VIC tokens for SPTs. | visa.co.uk, 4 Nov 2026 |
| Merchant of record | Merchant | Visa Rules: the merchant completes the transaction with its acquirer; initiators of Agentic Transactions are not merchants. | usa.visa.com, 4 Nov 2026 |
| Dispute rules | Yes | Visa Core Rules section 4.1.23 sets agentic provider duties; 4.1.23.10 makes the cardholder responsible for the provider's actions. | usa.visa.com, 4 Nov 2026 |
| Cost | Not published | No VIC or Connect fee schedule is public. | visa.co.uk, 4 Nov 2026 |
The row in full: every column
| Column | Status | Note | Source and read date |
|---|---|---|---|
| Stripe | announced | SPT docs say Stripe may use Visa Intelligent Commerce tokens on the seller's behalf; no merchant-facing control documented | docs.stripe.com, 4 Nov 2026 |
| Adyen | announced | Visa named a strategic partner of Adyen Agentic; no VIC integration detail published | adyen.com, 4 Nov 2026 |
| PayPal | no statement found | no statement found (2026-11-04) | developer.paypal.com, 4 Nov 2026 |
| Checkout.com | pilot | Agentic page diagram connects merchants to Visa Intelligent Commerce; waitlist | checkout.com, 4 Nov 2026 |
| Braintree | no statement found | no statement found (2026-11-04) | developer.paypal.com, 4 Nov 2026 |
| Worldpay | no statement found | no statement found (2026-11-04) | worldpay.com, 4 Nov 2026 |
| Coinbase | no statement found | no statement found (2026-11-04) | docs.cdp.coinbase.com, 4 Nov 2026 |
| Crossmint | live | Agent Checkouts uses VIC one-time card numbers for eligible Visa cards; toolkit live and self-serve | docs.crossmint.com, 4 Nov 2026 |
| Skyfire | announced | Homepage lists Visa among networks for tokenized agent card payments; no VIC docs found | skyfire.xyz, 4 Nov 2026 |
| PayOS | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| Shopify | no statement found | no statement found (2026-11-04) | shopify.dev, 4 Nov 2026 |
| BigCommerce | no statement found | no statement found (2026-11-04) | bigcommerce.com, 4 Nov 2026 |
| Salesforce CC | no statement found | no statement found (2026-11-04) | salesforce.com, 4 Nov 2026 |
| Adobe Commerce | no statement found | no statement found (2026-11-04) | experienceleague.adobe.com, 4 Nov 2026 |
| commercetools | no statement found | no statement found (2026-11-04) | docs.commercetools.com, 4 Nov 2026 |
| WooCommerce | no statement found | no statement found (2026-11-04) | woocommerce.com, 4 Nov 2026 |
| Amazon | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 |
| Walmart | no statement found | no statement found (2026-11-04) | corporate.walmart.com, 4 Nov 2026 |
| Target | no statement found | no statement found (2026-11-04) | corporate.target.com, 4 Nov 2026 |
| Etsy | no statement found | no statement found (2026-11-04) | help.etsy.com, 4 Nov 2026 |
| Wayfair | no statement found | no statement found (2026-11-04) | aboutwayfair.com, 4 Nov 2026 |
| ChatGPT | announced | Visa lists a Visa and OpenAI partnership on its Intelligent Commerce page; no live ChatGPT checkout on VIC stated. | visa.com, 4 Nov 2026 |
| Google AI Mode | no statement found | no statement found (2026-11-04) | developers.google.com, 4 Nov 2026 |
| Perplexity | announced | Visa named Perplexity as a Visa Intelligent Commerce AI partner at launch | usa.visa.com, 4 Nov 2026 |
| Amazon Rufus | no statement found | no statement found (2026-11-04) | aboutamazon.com, 4 Nov 2026 |
| Meta Muse | no statement found | no statement found (2026-11-04) | about.fb.com, 4 Nov 2026 |
| Copilot | announced | Visa named Microsoft as a Visa Intelligent Commerce AI partner at launch. | usa.visa.com, 4 Nov 2026 |
| 2 live or pilot of 27 |
What Visa IC does not do
- Does not publish pricing for Intelligent Commerce Connect.
- Does not create a new dispute reason code for agent purchases; existing conditions such as 10.4 apply.
- Is not generally available: Connect is in pilot.
Sourced facts
- Visa launched Visa Intelligent Commerce on 30 Apr 2025 ("Find and Buy with AI"), naming AI partners including Anthropic, Microsoft, OpenAI, Perplexity and others. usa.visa.com, read 4 Nov 2026.
- Visa announced Intelligent Commerce Connect in April 2026 as a "network, protocol, and token vault-agnostic" on-ramp through the Visa Acceptance Platform, handling payment initiation, tokenisation, spend controls and authentication. visa.co.uk, read 4 Nov 2026.
- Intelligent Commerce Connect accepts agent-initiated payments over TAP, MPP, ACP and UCP and is "currently in pilot with select partners": AWS, Diddo, Highnote, Mesh, Payabli and Sumvin. visa.co.uk, read 4 Nov 2026.
- The UK newsroom copy of the Intelligent Commerce Connect release is dated 9 Apr 2026; US coverage dates the announcement 8 Apr 2026. visa.co.uk, read 4 Nov 2026.
- Visa Core Rules (24 Oct 2026 edition, section 4.1.23.2) require an Agentic Payment Provider to enroll in Visa Intelligent Commerce and register with Visa directly or via an Agentic Payment Enabler. usa.visa.com, read 4 Nov 2026.
- Visa's Intelligent Commerce page says the product "is currently in the process of deployment" and lists a Visa MCP server connecting agents to VIC APIs. visa.com, read 4 Nov 2026.
- Crossmint's Agent Commerce Toolkit (8 Oct 2026) uses VIC tokenised credentials where a Visa card supports them and falls back to the vaulted card otherwise. crossmint.com, read 4 Nov 2026.
In the vendors section
Compare and alternatives
Sources
- Visa Intelligent Commerce, read 4 Nov 2026
- Find and Buy with AI: Visa Unveils New Era of Commerce, read 4 Nov 2026
- Visa opens the door to AI-driven shopping (Intelligent Commerce Connect), read 4 Nov 2026
- Visa Core Rules and Visa Product and Service Rules, 24 October 2026, read 4 Nov 2026
- crossmint.com/announcement/agent-commerce-toolkit-launch, read 4 Nov 2026
- Merchant Center help: UCP-powered checkout, read 4 Nov 2026
- docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md, read 4 Nov 2026
- adyen.com/press-and-media/adyen-agentic, read 4 Nov 2026
- checkout.com/agentic-commerce, read 4 Nov 2026
- docs.crossmint.com/agents/cards/rails-and-pci.md, read 4 Nov 2026
- skyfire.xyz, read 4 Nov 2026
Last reviewed