Visa completed a pilot with Santander in Latin America where AI agents bought products, paid for services, and handled recurring payments — without humans clicking confirm.
They're targeting millions of users by December 2026.
This isn't a demo. Hundreds of real transactions already cleared.
The infrastructure question isn't "will agents need payment rails" anymore. It's "how do we audit what they're buying."
MnemoPay tracks agent spending patterns and flags anomalies before your compliance team asks. When Visa's agents hit your API, you'll need logs that satisfy both your CFO and Article 12 auditors.
The rails are live. The audit layer isn't — yet.
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