Visa：2026年AI智能体支付报告（英文版）

Agentic commerce is a new economic surface where software autonomously discovers, evaluates, and executesransactions -continuously, programmatically, and across a far wider range of commerce than traditional paymentinfrastructure was designed to handle. The degree of autonomy varies. Some workfiows keep a human in the loop toreview or approve purchases, while others run fully autonomously once configured. Agents can buy SaaS licenses, booktravel, automate accounts payable, reorder physical in