CaixaBank advances AI-powered payments

By Milan Rojan

CaixaBank has completed its first card transaction initiated by an artificial intelligence agent in collaboration with Visa, marking a step forward in the development of agentic commerce in Europe.

The transaction has been carried out using real card credentials and existing merchant systems, demonstrating that AI agents can securely initiate purchases on behalf of cardholders within today’s payments infrastructure. The initiative has formed part of Visa’s Agentic Ready programme, which is exploring new payment experiences enabled by artificial intelligence.

The transaction has followed Visa’s introduction of AI-powered commerce capabilities, enabling intelligent agents to search for products, compare options and initiate purchases under customer-defined authorisation and control models. The approach has been designed to maintain issuer oversight while preserving existing security and compliance standards.

The payment was processed through Visa Intelligent Commerce, using technologies already deployed across digital payments, including tokenisation, identity verification and real-time fraud monitoring. The collaboration has demonstrated how AI-enabled payment journeys can operate within established payment networks without requiring changes to merchant infrastructure.

The initiative has also contributed to broader industry efforts to evaluate the role of AI agents in commerce while addressing regulatory, security and customer protection requirements. CaixaBank has said its participation in the programme supports the responsible development of AI-powered payments and future customer interaction models.

The milestone has reflected growing momentum behind agentic commerce as financial institutions and payment providers explore the use of artificial intelligence to automate purchasing decisions while retaining customer consent and control. As AI capabilities have continued to evolve, payment providers have increasingly focused on integrating intelligent agents into existing payment ecosystems without compromising security, trust or regulatory compliance.