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Picture telling an AI 'buy me running shoes' and having it finish checkout entirely on its own — an entire industry had to prepare for that.

Ahead of the era when you tell an AI 'buy me running shoes' and it completes the checkout, what did Visa, Mastercard, and the payments industry rush to announce in 2025?

Standards and credentials letting AI agents pay safely on your behalf
Payment networks raced to publish agentic-commerce standards. Defining 'who authorized this and who's liable' is the new infrastructure war — and commerce's next battleground.

Visa, Mastercard, and the broader payments industry rushed in 2025 to publish standards and credentials that would let AI agents make purchases and complete checkout safely on a person's behalf — essentially building the plumbing needed to verify that an AI acting autonomously has genuine authorization to spend someone's money.

A total ban on AI card issuance or a shift to cash-only online shopping would run directly counter to what payment companies actually did, which was to embrace and prepare for AI-driven purchasing rather than try to block it outright.

The central unsolved question in this space is liability — if an AI agent buys the wrong item, gets scammed, or makes an unauthorized purchase, figuring out who is responsible is shaping up to be commerce's next major legal and infrastructure battleground, much like disputes over fraud liability shaped the early credit card industry decades ago.

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