Visa has announced three capabilities across commercial card growth, virtual card security and agentic commerce for commercial payments. The capabilities are designed to help financial institutions, fintechs and businesses automate payment processes while maintaining the trust, visibility and control those transactions require.
Visa announced SESA 2.0, the next generation of Supplier Enablement Spend Analytics, using AI-driven spend analysis and predictive insights.
SESA has helped financial institutions uncover more than $600 billion in potential cardable spend since launch.
Visa Commercial Fraud Solutions is a new suite covering supplier validation, virtual card authentication through 3-D Secure, and transaction-level payment controls.
Visa Commercial Payment Controls are available now in supported countries, while Virtual Authentication and Supplier Validation are in pilot with general availability in 2027.
Visa, BILL and Billtrust launched a live pilot enabling trusted AI agents to initiate and complete approved B2B invoice payments through supplier portals.
The pilot uses Visa Intelligent Commerce and Visa's Trusted Agent Protocol with tokenized payment credentials.
"Businesses are moving quickly to automate the work around payments, from identifying supplier opportunities to approving invoices and executing transactions," said Darren Parslow, global head of Visa Commercial Solutions. "These capabilities are designed to help them do that with the data, security and controls they need - whether they are growing commercial card acceptance, helping protect virtual-card payments from fraud, or testing how trusted AI agents can act on their behalf."
SESA 2.0 builds on four years of experience in helping financial institutions evaluate supplier payment opportunities. It combines AI-driven supplier scoring, Visa commercial payments data, buyer benchmarks and business-value modeling. Together, these capabilities help financial institutions identify suppliers that may be more likely to accept commercial card payments and estimate potential commercial card growth opportunities.
Juniper Research projects global B2B virtual card payment volume will reach $14.6 trillion by 2029, representing 83% of the global virtual card market. As adoption grows, organizations face increasing pressure to verify suppliers, authenticate users and help ensure payments are made as intended.
Visa Commercial Fraud Solutions provides protection across three key stages of a commercial payment:
Visa Commercial Supplier Validation helps verify payments are sent to the intended supplier.
Visa Commercial Virtual Authentication helps verify commercial virtual card users through 3-D Secure authentication.
Visa Commercial Payment Controls enables businesses to set transaction-level controls, including spend, merchant category, location and timing parameters.
Visa, BILL and Billtrust have launched a live pilot that enables trusted AI agents to initiate and complete approved business invoice payments through supplier portals.
The pilot draws from Visa Intelligent Commerce and Visa's Trusted Agent Protocol to help establish the agent's identity, confirm that it is authorized to act and ensure that the transaction follows business-defined controls and visibility. Instead of relying on shared supplier-portal login credentials, it uses tokenized payment credentials and connects buyer-side invoice approval with supplier-side payment acceptance.
The pilot is currently live and processing end-to-end transactions with participating BILL customers and Billtrust suppliers.
As business payments are automated, trust can become a foundation that allows automation to scale. The future of commercial payments may depend not only on how quickly money can move, but also on whether every participant, credential and action can be identified, authenticated and governed.
About Visa
Visa 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.
