Worldline, ING and Visa have successfully executed a new live, end-to-end agent-driven payment transaction in Europe. The aim of the exercise was to show how AI-enabled journeys can begin to operate securely within existing regulatory requirements, including Strong Customer Authentication. It maintains full customer control and merchant trust throughout and helps build confidence in these emerging use cases.
Worldline, ING join Visa Agentic Ready Programme
In this scenario completed in Germany, a consumer set the conditions for a purchase – including what to buy and when and instructed a merchant AI agent to act within those parameters.
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The agent identified a product and the user authenticated the purchase intent using Visa Payment Passkeys. The transaction was confirmed by the consumer through biometric authentication using Visa Payment Passkey, and then authorised by ING, all within the purchase journey. The transaction was processed end-to-end across Worldline’s infrastructure.
Throughout the process, the AI agent operated within clearly defined instructions set by the consumer. ING, as the issuing bank, retained control over the authorisation, ensuring a clear and verifiable record of what was authorised, by whom, under what conditions.
“As agentic payments emerge, the priority is to build trust into a new way of buying and paying. With this new use case, together with ING, Worldline is further advancing the maturity of the agentic payments ecosystem in Europe, demonstrating how frontier payment journeys can take shape across geographies, use cases and customer experiences. At Worldline, we connect and orchestrate the participants of the payment value chain – issuers, acquirers, merchants, schemes – to enable these new models at scale, while building the trust, security and reliability needed for broader adoption. This is how we see our role: helping shape the trusted ecosystem for the next generation of payments in Europe.” said Madalena Cascais Tomé, Member of the Executive Committee, Worldline.
Agentic payments: user-friendly and auditable
“ING is committed to delivering convenient and secure experiences for our customers and their trusted agents,” said Hans Overeem, Head of Payments, ING Netherlands. This milestone demonstrates that agented payments can be both user-friendly and auditable, with biometrics and delayed capture enabling flexible, safe purchasing.”
Mathieu Altwegg, Head of Product & Solutions, Visa Europe, added: “Agentic AI has the potential to reshape digital commerce, and this milestone shows how that future can begin to take shape in Europe. Through Visa Intelligent Commerce, we are helping bring trusted payment credentials, consumer control and programmability into emerging agentic commerce use cases.”
