INNOVATION Visa advances agentic commerce with MCP Server, Acceptance Agent Toolkit

Developers can now build AI agents that can connect to Visa Intelligent Commerce and Visa Acceptance APIs, an essential step toward trusted agentic commerce.

09/04/2025

Artificial intelligence, generative AI, large language models (LLMs) and machine learning have transformed our world, processing massive amounts of data and creating magical experiences at an unprecedented rate. At Visa, we believe these technologies have the potential to radically transform commerce too.

A few months ago, we launched Visa Intelligent Commerce to enable this next era of commerce. This program provides the infrastructure and tools developers need to build trusted, agentic experiences.

Today, we’re announcing important ways we’re expanding Visa Intelligent Commerce and bringing new agentic commerce experiences to clients, partners and consumers faster:

• Introducing our Model Context Protocol (MCP) Server for Visa Intelligent Commerce: Developers can now connect to Visa Intelligent Commerce APIs through the MCP Server, making it faster and easier for builders to bring intelligent, payment-enabled experiences to life.
• Piloting the Visa Acceptance Agent Toolkit: Built on top of the MCP Server, the toolkit helps developers and non-technical users to work with AI agents using plain language — no coding required.

The MCP Server and the Agent Toolkit provide a new layer of access to our developer partners and clients to enable trusted agentic commerce experiences. Here’s how:

The MCP Server: Connecting AI agents to the Visa network

For AI agents and LLMs to interact with Visa’s trusted network, they need a secure, consistent way to communicate with our services. The Visa MCP Server makes this possible — starting with Visa Intelligent Commerce APIs and designed to extend across Visa’s broader API portfolio over time.

This is a major unlock for the developer community, as it provides:

• A ready‑made integration layer for AI agents to securely access Visa’s capabilities: No need to hand‑code every API call or manage complex authentication flows.
• Dramatically faster builds: Move from idea to functional prototype in hours instead of days or weeks.
• Expanded reach and flexibility: AI agents can interpret user requests and dynamically apply Visa APIs in new contexts, enabling entirely new commerce experiences.

As early adopters of this technology, we’ve seen MCP streamline our own generative AI workflows — eliminating the need for bespoke API integrations and enabling agents to access data and automate tasks in real time.

Opening our MCP Server means AI agents can now plug directly into Visa’s infrastructure, access our APIs, and test secure commerce actions. This is an important step in helping AI developers, partners and clients work with us to build agentic commerce experiences on top of Visa’s payments technology.

The Visa Acceptance Agent Toolkit

Now available in pilot, the Visa Acceptance Agent Toolkit empowers both developers and business users to put agentic commerce into action — without writing a single line of code. The Toolkit offers:

• Prebuilt workflows for key commerce tasks in Acceptance Invoicing and Pay By Link
• Plain-language prompts, so tech-savvy and non-tech savvy users alike can trigger actions with simple commands
• Additional features coming soon as we continue to expand use cases

In short, MCP is a powerful enabler for the next wave of agentic commerce — and starting small with a single, repetitive task is often the fastest way to see its impact.

Example use cases include:

• A merchant support agent can respond to: “Create an invoice for $100 for John Doe, due Friday.” The agent uses the Toolkit to call the Invoice API, complete the details and return a secure payment link — no manual development required.
• A business analyst can type: “Create a summary of today’s revenue across all invoices.” The agent securely fetches and reports on the transaction data within the permissions granted.

The Toolkit is available as a self-hosted package (currently via npm [Node Package Manager] for JavaScript developers) and every action is managed through the MCP Server’s secure environment. All policies and role-based access controls are enforced by design.

Looking Ahead: Scaling Trusted AI Commerce

Trust is crucial for enabling AI commerce — we’ve spent decades utilizing vast datasets via AI and machine learning to build the world’s most trusted payments network. We’re continuing to evolve our tech stack and capabilities to be more modern and modular. This is an effort to make it easier for our thriving developer ecosystem and partners to connect to our tech stack to help power next-gen payments quickly and at scale.

With the MCP Server now open in pilot and the Visa Acceptance Agent Toolkit in pilot, we’re exploring new B2B and B2C use cases that accelerate adoption of our network capabilities and give developers more ways to build secure, high-impact solutions in the agentic commerce era.

One prompt. One payment. One breakthrough at a time.

FAQ: Visa Intelligent Commerce, MCP Server and Agentic Commerce

What is agentic commerce?

Agentic commerce is the next evolution of digital commerce, where AI agents can browse, purchase and manage transactions on behalf of users — securely and with minimal friction.

What is Visa Intelligent Commerce?

Visa Intelligent Commerce is a Visa initiative that equips AI agents with trusted payments rails, controls and post‑purchase support so they can browse, buy and manage orders securely on a consumer’s behalf. The program combines tokenization, authentication, spending controls and privacy‑aware personalization with Visa’s global network to create a safe, scalable ecosystem for agent‑led shopping.

What is MCP?

MCP stands for Model Context Protocol — an emerging open-source framework that allows AI agents and large language models to communicate with external systems in a consistent, structured way. Visa’s MCP Server uses this protocol to securely connect AI agents to Visa Intelligent Commerce APIs.

What is the Visa MCP Server?

The Model Context Protocol (MCP) Server is a secure integration layer that allows AI agents and large language models to connect directly to Visa Intelligent Commerce APIs — enabling faster builds and trusted payment‑enabled experiences.

What is the Visa Acceptance Agent Toolkit?

Built on top of the MCP Server, the Toolkit lets developers and non‑technical users trigger available Visa Acceptance API actions with plain‑language commands, without writing code.

Who can use these tools?

Visa clients, partners and developers across the payment ecosystem can use the MCP server and Visa Acceptance Agent Toolkit to create AI‑powered commerce solutions.

How do I get started?

The MCP Server is available in pilot, and the Visa Acceptance Agent Toolkit is in pilot. Developers can contact their Visa representative or visit the Visa Acceptance Developer Center to request access to the Visa Acceptance Agent Toolkit.