BBVA has completed the first real-world transaction initiated by an artificial intelligence agent on behalf of one of its cardholders. Conducted in collaboration with Visa (NYSE: V), this test demonstrates that AI systems can now securely handle purchases using existing payment networks and live merchant systems. The milestone occurred as part of Visa’s Agentic Ready programme, currently active across Europe.
It involved a genuine purchase executed with actual card credentials through an operational retailer’s infrastructure.
The successful outcome shows that AI agents can carry out transactions within today’s established payments environment while preserving essential controls.
Security formed a core element of the trial. BBVA enabled the process through Visa Intelligent Commerce, drawing on proven tools such as tokenization to safeguard card details and real-time fraud detection systems.
To meet the European Union’s Strong Customer Authentication rules, the transaction also employed Visa Payment Passkeys — a biometric authentication approach that lets users approve payments without passwords or SMS codes. This achievement confirms that agent-led payments can function effectively in production settings.
Key protections remain intact: cardholder consent stays central, issuing banks retain oversight, and all activity complies with existing regulatory standards.
By participating, BBVA is helping the industry develop practical knowledge on delivering these AI-powered experiences at scale in a responsible manner.
Roberto Pagán, Head of Consumer Payments at BBVA Spain, underscored the bank’s focus on evolving customer experiences.
He explained that working with Visa through the Agentic Ready program positions BBVA to take part in the next stage of commerce, where AI agents can initiate transactions for cardholders while leveraging infrastructure already known for its reach, security, and control.
Eduardo Prieto, Visa’s Country Manager for Spain, emphasized the network’s role in maintaining trust.
He noted that by connecting issuers, merchants, and AI platforms through Visa’s systems, the company supports this new phase of commerce using the same security and oversight mechanisms already in place.
The development was highlighted at the Visa Payments Forum in Paris, where real-world demonstrations of AI agent purchases were presented across retail and travel sectors.
These agents increasingly support consumers by searching options, comparing choices, and finalizing decisions.
According to Visa’s research, 62% of consumers surveyed in Spain already use AI tools for tasks such as finding gift ideas, researching products, and evaluating prices.
As these capabilities mature, agent-initiated payments are expected to expand into additional use cases.
All future applications will operate under clearly defined permissions and oversight to ensure user protection.
This collaboration between BBVA and Visa highlights how financial institutions and payment networks are preparing for a future in which AI agents can streamline everyday transactions. The focus remains on combining convenience with the high standards of security and compliance that customers expect.