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Visa today announced the Visa Trust Index for agentic commerce, providing new insight into how consumers are navigating the next evolution of AI shopping and payments. While consumers are increasingly using AI across the shopping journey, only 23% of U.S. consumers trust GenAI to handle payment transactions on their behalf. However, confidence in agentic commerce shifts when payments brands come into consideration. Visa emerged as the most trusted brand for AI-powered payments with 61% of respondents saying they would trust Visa to handle agentic transactions.
Visa Trust Index finds only 23% of U.S. consumers trust GenAI for payment transactions
61% of respondents trust Visa for agentic transactions, most trusted brand for AI-powered payments
Trust rises to 68% among consumers ages 18-34 and 71% among frequent AI users
72% of consumers have used an AI assistant
Visa working with partners on capabilities and infrastructure for agent-initiated transactions
Survey of 2,065 U.S. consumers conducted May 26-28, 2026
AI has the potential to fundamentally reshape how people discover, buy and pay for goods and services, much like e-commerce and mobile commerce did before it. While we're still in the early days, trust will be foundational to driving agentic commerce adoption. Consumers will increasingly look to trusted payment experiences and brands as they deploy AI agents to shop on their behalf.
Visa's research looked across multiple sectors, including payments, technology and social media, and found that Visa was the most trusted brand for AI-powered payments among respondents surveyed. Visa maintained this leadership across key demographic groups, rising to 68% among consumers ages 18 to 34 and 71% among frequent AI users.
The findings suggest that consumers distinguish between the AI tools they use and the payment brands they trust. While consumers may engage with a range of AI assistants and platforms, trusted payments remain central to their willingness to complete transactions in agentic environments.
"AI has the potential to fundamentally reshape how people discover, buy and pay for goods and services, much like e-commerce and mobile commerce did before it," said Oliver Jenkyn, Group President, Visa. "While we're still in the early days, trust will be foundational to driving agentic commerce adoption. Consumers will increasingly look to trusted payment experiences and brands as they deploy AI agents to shop on their behalf."
Throughout every major shift in commerce, from the growth of e-commerce to the rise of mobile payments, trust provides stability and certainty to consumers as the world changes around them. For more than 60 years, Visa has helped enable new forms of commerce by delivering the security and reliability consumers expect when making payments. As agentic commerce continues to evolve, Visa is working with partners across the ecosystem to help establish the capabilities, standards and infrastructure needed to support secure, permissioned agent-initiated transactions.
Through Visa Intelligent Commerce and related initiatives, Visa is helping prepare the payments ecosystem for the next generation of digital commerce through technologies that support secure transactions, identity verification, authentication, and consumer controls.
According to Visa's Trust Index, consumers are beginning to define what they expect from the companies that will help power the next era of commerce. As AI transforms how people discover, shop, and transact, Visa will continue to track consumer sentiment and help build the trusted foundation for the future of commerce.
About Visa
Visa is a world leader in digital payments, facilitating transactions between consumers, merchants, 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.
