Visa Launches ‘Agentic Ready’ Program to Advance Agentic Commerce in Latin America & Caribbean

Miami, April 29, 2026 – Visa (NYSE: V) today launched Visa Agentic Ready in Latin America and the Caribbean (LAC), a global program to help the payments ecosystem prepare for the next era of agentic commerce. The program builds on Visa Intelligent Commerce, Visa's portfolio of initiatives enabling secure, AI‑driven commerce experiences at scale.

Visa Agentic Ready is a global program designed to help issuing banks and payment partners prepare for AI agent‑initiated commerce. The program enables participants to: 

• Test agent‑initiated payments in controlled, real‑world environments using live cards and real merchants 
• Validate core payment flows, including card enrollment, tokenization, authentication, and transaction authorization 
• Assess trust, security, and control mechanisms as AI agents take action on behalf of consumers and businesses 
• Identify operational and readiness gaps before agent‑led transactions scale broadly 
• Collaborate with Visa and selected merchants to understand how agent‑initiated transactions behave in practice 
• Prepare for global deployment as agent‑driven commerce expands across markets. 

"As AI agents increasingly shape how people shop and buy, payments need to keep up," said Catalina Tobar, Head of Growth Products and Partnerships for Visa Latin America and the Caribbean. "Visa Agentic Ready will help Latin American issuers prepare for secure, scalable agent-initiated payments, built on infrastructure people already trust.

Tailored for LAC, Built on Existing Foundations
Latin America and the Caribbean is a strong environment for testing and collaboration, with high adoption of tokenization, passkeys and advanced authentication — capabilities well-established across Visa's global network. In the region, Visa tokens have cut fraud by 70%[1] and boosted authorizations by 9%[2]. With 50% of e-commerce in the region already tokenized, Visa is working toward 100% adoption to support a new era of secure, AI-powered commerce.

Visa Agentic Ready is powered by Visa's trust layer, bringing together tokens, identity, risk and controls to enable trusted agent-initiated payments across channels and use cases. This work is helping issuers extend familiar protections into AI-driven experiences using tokenization and biometric authentication to ensure agent-initiated payments are clearly tied to a real person, with consent and control at every key moment.

From Readiness to Real-World Scale
Bringing agentic commerce to life at scale requires coordination across the payment’s ecosystem. Visa has already enrolled dozens of clients into the program, with more expected to join as it expands.

Through controlled, production-grade testing with selected merchants, participants can validate how agent-initiated payments operate in real-world environments, building confidence as these experiences move from concept to reality.

This work supports Visa's broader vision for intelligent, programmable commerce where trusted credentials and network capabilities enable payments to respond securely and flexibly to consumer intent, context and controls. As more of the shopping journey becomes automated, Visa is helping ensure agents can act seamlessly on a consumer's behalf, while keeping people firmly in control.

Early issuing partners already successfully testing in the Visa Agentic Ready program include: Banco de Chile, Banco de Estado, Banco do Brasil, Banco Industrial, Banco Macro, Banco Popular Dominicano, Banco Santa Cruz, Bancolombia, BBVA, BCP, Bradesco, Consorcio Chile, Banco Galicia, Banco ICBC, Naranja X, Pomelo, Banco Promerica Republica Dominicana, Banco Santander, Scotiabank and XP.

Additional partners actively engaging with Visa to advance their capabilities toward agentic readiness include: Afirme, Aval, Banco de Bogota, Banco Popular de Colombia, Davivienda and Interbank.

Agentic Ready builds on the recent program launches in Europe and Asia Pacific  –  and traction with Visa Intelligent Commerce across a broad set of agents and partners in North America – to make AI commerce a reality for people and businesses across the globe.
 

Partner Quotes

• “Banco do Brasil’s participation in the first agentic transactions reinforces our commitment to responsible innovation and to the evolution of the payments ecosystem. We are closely monitoring the transformations driven by artificial intelligence and working to ensure that these new experiences take place with security and confidence for our customers.” Pedro Bramont, Director of Payment Solutions and Services at Banco do Brasil
• "At Banco Industrial, our priority is to lead innovation to deliver digital experiences that simplify the purchasing process and our customers’ lives. Joining Visa Agentic Ready allows us to enable AI agents as a strategic ally for consumers’ day-to-day lives, without ever compromising the integrity of their transactions.” Juan Bernardo Rivera, General Manager of Cards at Banco Industrial
• “At Grupo Cibest, we continue to promote the creation of increasingly simple, secure, and relevant digital experiences in every payment interaction. We are joining the Visa Agentic Ready program, preparing us to support a new era in which our Visa cardholders will be able to shop through artificial intelligence agents. With this step, we reaffirm our vision of delivering smarter transactions that are better connected to the needs of the future.” Liliana Vásquez, Vice President of Payments, Flows, and Insurance at Grupo Cibest
• “The evolution toward agentic commerce marks a turning point in how people interact with payments. At Banco Macro, participating in the Visa Agentic Ready program reinforces our commitment to driving innovation responsibly, testing new capabilities that combine artificial intelligence, security, and scalability. These types of initiatives allow us to prepare for the future of digital payments, always placing customer trust and experience at the center.” Banco Macro
• “From Banco Popular Dominicano’s perspective, Visa Agentic represents an innovative bet that harnesses the potential of artificial intelligence to redefine the way we engage with our customers. It enables us to offer personalized, secure, and agile solutions, optimizing processes and facilitating payments, benefits, and financial control with greater efficiency and convenience. This reinforces our commitment to excellence, consumer experience, and digital evolution. With Visa Agentic, we are moving toward a new era of intelligent shopping and cutting-edge financial services.” Austria Gómez, Vice President of Cards at Banco Popular Dominicano
• "At Banco Santa Cruz, we see the Visa Agentic Ready program as a milestone in the evolution of digital commerce, where artificial intelligence begins to be actively integrated into the payment experience. Being part of this pilot phase energizes us and reinforces our commitment to anticipating trends, strengthening our capabilities to enable a more agile, secure, and customer-centric payments ecosystem. We continue to move forward with a vision of responsible innovation, convinced that this evolution must be built on trust and the protection of our customers.” Rafael Jiminian, Executive Vice President of Business at Banco Santa Cruz
• “At BBVA, we want to help individuals and retailers move forward in the new agentic commerce environment with confidence and ease. As transactions are increasingly delegated to digital agents, trust, security and user control will be essential. By participating in Visa’s Agentic Ready programme, we are reinforcing our commitment to providing simple, secure and trusted AI-driven payment experiences, while helping customers remain in control of their purchasing decisions.” Luis Simões, Head of Retail Experience and Value Proposition at BBVA
• "Bradesco is preparing for agentic commerce, as we understand that it will be the future of transactions, with intelligent decisions and seamless payments." Guilherme Jorge de Oliveira, Group Product Manager at Bradesco
• "Being pioneers in digital payments is part of Galicia’s DNA. Participating in the Visa Agentic Ready program is a natural evolution of our strategy: from the early adoption of QR payments, to wallets and NFC payments, to the incorporation of new channels and conversational experiences powered by artificial intelligence. This first step is essential to prepare us for agent-based payments in a simple and secure way." Lucas Solari, Head of Digital Payments at Banco Galicia
• “Being part of Visa Agentic Ready represents a key step in ICBC’s strategy to support the technological evolution of the payments ecosystem in a secure and scalable way. We are convinced that the development of experiences driven by artificial intelligence requires solid standards, collaboration with strategic partners, and a clear focus on customer protection. This program allows us to move in that direction and prepare for the next generation of digital transactions.” Banco ICBC
• "Successfully validating the end-to-end flow in this test together with Visa confirms that our infrastructure is already capable of supporting the next evolution of commerce: agentic payments. At Naranja X, we do not innovate for technology’s sake, we do it to eliminate friction. We are preparing the entire process so that users can delegate routine tasks to intelligent agents with the same security and confidence with which they use their cards today as a payment method. This progress is a concrete step in that direction, where people’s time and financial relief are the true priority." Matias Torre, Head of Product at Naranja X
• “Agentic commerce is already a reality. For issuers in Latin America, the question is no longer whether it will arrive, but whether their infrastructure is ready to support this shift. At Pomelo, we already have the technology to empower those who want to lead this new stage.” Hernán Corral, Co‑founder & CPO, Pomelo
• “At Banco Promerica, as pioneers in digital payments and leaders in financial innovation, we are an active part of the evolution of e‑commerce that is transforming how people shop and pay. Our participation in the Visa Agentic Ready programme reflects how we proactively anticipate these trends and our customers’ evolving needs, integrating artificial intelligence–driven solutions that enhance the payment experience. In doing so, we enable smarter and more secure transactions, aligned with the high standards that define our value proposition.” Carlos Julio Camilo, Chief Executive Officer at Banco Promerica Republica Dominicana
• "The evolution of AI-driven commerce represents a significant transformation in how consumers interact with payments. At Santander, we see the advancement of agents as an opportunity to deliver even simpler, safer, and more personalized experiences, while keeping the customer at the center of decisions. Participating in Visa Agentic Ready reinforces our commitment to testing and scaling innovations that combine technology, trust, and control, preparing our customers for this new phase of digital commerce.” Gustavo Santos, Director of Cards & Everyday Banking at Santander Brasil
• “At Santander México, we were pioneers in carrying out payments with Visa that were fully managed by AI agents, validating the security, seamless experience, and growth potential of these operations. For that reason, we will continue to drive initiatives that lead to the adoption of agentic commerce.” Laura Cruz, Director of Strategy, Innovation & Customer Experience at Santander México
• “Agentic payments mark a turning point in the evolution of digital payments. At Santander, we are proud to be pioneers in this new stage, actively participating in global and local tests together with Visa that will allow this model to be brought into real-world scenarios in a secure and scalable way. We believe innovation has value when it improves people’s experiences, and that is why our focus is on ensuring this evolution combines simplicity, trust, and intelligent automation, always with control, security, transparency, and customer protection.” Humberto Panighini, Head of Payment Methods at Santander Argentina
• "In Scotiabank México, we are actively driving the evolution of artificial intelligence–based digital commerce, moving from concept to real execution within regulated environments. Being part of the Visa Agentic Ready program reflects our belief in leading the responsible adoption of agentic commerce, collaborating with strategic partners, and preparing the Bank for a new generation of AI-driven transactions—always with security, trust, and the customer at the core." Luis Alfredo González. SVP Chief Information Officer - International Banking, Scotiabank
• “At Scotiabank, we drive innovation so our customers can enjoy simpler and more secure payment experiences. This is no longer the future of e‑commerce—it is the present—where AI agents enable personalized shopping, always under the user’s control. Scotiabank is joining the Visa Agentic Ready program, reinforcing our commitment to trust, protection, and the adoption of technologies that are setting industry trends.” Carla Temoche Nuñez del Prado, VP Head of Retail Banking at Scotiabank Peru
• “The evolution of payments relies on intelligent automation, enabling more autonomous, seamless and secure journeys for our millions of clients. Being part of the Visa Agentic Ready program represents an important step toward a transformational shift in how people interact with payments and their purchasing experiences. This initiative clearly demonstrates XP’s commitment to excellence in serving its clients.” Ciro Moreira, Head of Cards at XP Inc.
• “Agentic represents a structural shift in how customers discover, decide, and pay. For Banco de Bogotá, it is a tangible opportunity to capture greater value across customer experience, issuing, and acceptance, with capabilities to reduce friction, strengthen engagement, optimize top‑of‑wallet and interchange, and enable new growth opportunities for merchants.” José Wolff, Vice President of Product and Digital Strategy, Banco de Bogotá
• “At Banco Davivienda, our innovative DNA drives us to anticipate our customers’ needs with cutting‑edge technology experiences. By being part of the Visa Agentic Ready program, we will lead the transition toward agentic commerce in the region, ensuring that the experience for our customers and merchants is simple, reliable, and carried out under the highest standards of security and efficiency that have always defined us.” Laura Gómez, VP Payments, Davivienda
• “At Banco Popular, we believe that artificial intelligence agents are an opportunity to increase the digitalization of our 50+ customers by enabling secure interactions for card‑not‑present purchases. Agents function as a personal assistant that not only helps select products, travel, and services based on customer‑defined parameters, but also executes the purchase process and supports post‑sale activities such as returns. AI, integrated with customer knowledge, will allow us to deliver recommendations based on habits and preferences, generating greater well‑being and satisfaction. This collaboration with Visa makes it possible to do so on state‑of‑the‑art infrastructure and with the highest security standards.” Luis Fernando Gómez Falla, VP of Retail Banking and Customer Experience at Banco Popular Colombia

Those interested in participating in the Visa Agentic Ready program can contact their Visa account executive for more information.

About Visa
Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

Media contact:
Catalina Bantula Camps
[email protected]

¹ Visa Risk DataWarehouse, Global, FY24 Q1–Q4 fraud rates by PV for tokenized vs tokenized credentials. Merchant’s individual results may vary.

² VisaNet, Jan–Dec 2024. Visa credit and debit card-not-present (CNP) transactions for tokenized vs non-tokenized credentials in the LAC Region. Authorization rate is defined as approved authorizations divided by total authorization attempts based upon last attempt of a unique transaction.