Visa Expands Intelligent Commerce Across Asia-Pacific for a New Era of AI-Based Transactions

Visa's Expansion of Intelligent Commerce in Asia-Pacific

A New Era for Digital Transactions

On November 12, 2025, Visa, a global leader in electronic payment technology, unveiled its strategic initiative to expand Visa Intelligent Commerce across the Asia-Pacific region. This expansion is not just about broadening their footprint but also about ushering in a new age of AI-enabled transactions, where AI agents conduct shopping and payment on behalf of consumers. Leveraging existing partnerships and collaborations, Visa aims to set a new standard in security protocols and testing programs, marking a significant step in their AI agent commerce strategy.

Building the AI Commerce Ecosystem

Through Visa Intelligent Commerce, the company plans to create a robust ecosystem where integrated APIs and partner programs facilitate secure transactions. By harnessing Visa's secure infrastructure, AI agents will be able to perform consent-based payments on behalf of consumers transparently. The incorporation of features such as tokenization, authentication, payment instructions, and transaction signal verification ensures that the dealings remain transparent and secure. This ultimately instills confidence in consumers, allowing them to engage in online shopping and payments through AI commerce functionalities without fear.

In the past year, the usage of AI in online shopping has surged by over 4,700%, with 85% of users who have integrated AI into their shopping experience reporting an enhancement in their overall experience. As Visa evolves its infrastructure to support AI-driven commerce, it opens up new opportunities for consumers throughout the Asia-Pacific and beyond.

Seamless Integration with Trusted Agent Protocol

Central to Visa Intelligent Commerce is the Trusted Agent Protocol, a framework designed to give merchants the assurance needed in an AI-driven economy. This protocol distinguishes trustworthy AI agents from malicious bots, thus alleviating concerns tied to the burgeoning online traffic driven by AI agents. By employing unique cryptographic signatures for agents, the protocol verifies transaction safety and maintains visibility on the consumer-side of transactions, fostering strong relationships between customers and merchants.

Moreover, the Trusted Agent Protocol is developed as an open, low-code solution, enabling merchants to seamlessly adopt AI commerce without extensive infrastructure overhauls. Merchants will find it easy to manage AI-driven purchases with the same confidence they have in human transactions, ensuring a streamlined process.

Insights from Visa Leaders

T. R. Ramachandran, Head of Products & Solutions for Visa Asia Pacific, stated, "AI agent commerce will fundamentally transform online payment transactions. To fully leverage this potential, a centralized ecosystem is vital. With Visa Intelligent Commerce and its core Trusted Agent Protocol, we will connect consumers, AI agents, and merchants with secure, scalable solutions. Our goal is to guarantee verification and transparency for every transaction, allowing everyone involved in the purchase process to embrace this innovative technology with ease."

Continued Momentum in the Asia-Pacific Region

Visa actively collaborates with prominent tech and payment firms like Ant International, LG Uplus, Perplexity, Stripe, and Tencent to realize the vision of AI agent commerce. This partnership is indicative of Visa's ambition to establish an interconnected ecosystem that delivers smart and reliable commerce experiences.

The company plans to initiate a trial rollout of Visa Intelligent Commerce in the Asia-Pacific region as soon as regulatory compliance and ecosystem readiness allow, aiming for early 2026. This initiative is a testament to Visa's commitment to ushering in the next wave of AI-enabled payments and providing innovative commerce experiences to the next generation of AI-native consumers.

About Visa

Visa stands as a global leader in electronic payments, linking consumers, merchants, financial institutions, and government agencies through payment transactions across more than 200 countries and territories. The mission of Visa is to connect the world through the most innovative, convenient, reliable, and secure payment network, contributing to the prosperity of individuals, businesses, and the economy. Visa believes that an inclusive economy enhances lives everywhere and that access to payments is crucial for the future of commerce. To learn more, visit Visa.com or Visa Japan.