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Visa and Mastercard have leveraged decades of payments infrastructure to create systems that allow AI agents to transact on behalf of consumers while maintaining the security and protections associated with traditional card payments.

In 2025, Mastercard introduced Agent Pay, a platform powered by tokenized payment credentials that enables trusted AI agents to complete purchases within predefined spending limits. The initiative attracted major technology partners, including Microsoft, IBM, Braintree, and Checkout.com.