In the new era of agentic commerce trust, security and privacy are everything

Visa has processed 3.3 tn transactions on its network since the launch of e-commerce in the year 2000. Today, the Visa network connects users with 4.8 bn credentials to 150 mn or more sellers around the world in 200 plus countries and territories in 150 currencies.

The number and scale of those transactions generate hundreds of data elements that tell stories. Access to this data makes Visa a powerhouse that detects patterns that help build solutions that deliver better buyer experiences and grow sales for sellers with a lower risk of fraud, fewer declines, and more fulfilled transactions.

As we go forward on the AI journey, trust in agentic commerce will be key from both a buyer and seller perspective. Visa is leading the way by combining innovation with security, transparency, and user control.

Today, nearly 50% of Visa’s digital transactions are tokenized, and the growth continues to be tremendous.

Visa’s AI-ready cards use tokenized credentials to ensure only authorized AI agents can transact, adding a vital layer of protection. Users stay in control with customizable settings like spending limits and credential activation, empowering them to embrace AI-powered payments confidently.

In case you’re wondering — how does tokenization work? A token replaces your 16-digit card number with a unique 16-digit cryptographically protected code. Using Visa’s authentication protocols and connectivity to nearly 14.5k financial institutions, you will first be authenticated by your bank. They will then generate a token that will be specific to your AI agent. The token will remain locked until you tell the agent what you want it to do. In short, nothing happens without your permission.

Replacing passwords with biometrics. Visa also sees a future where biometrics can replace passwords. In 2024, the company announced the launch of Visa Payment Pass key, a biometric solution based on cross industry standards, and It’s been deployed across Europe with very positive results and is expected to be rolled out globally throughout 2025 and into 2026.