Visa reported net revenue of $12.1 billion for the fourth quarter of fiscal 2026, up 13%, and $45.9 billion for the full year, up 15%. Its number of credentials, meaning cards and digital payment tools, reached 5.2 billion, up 6%, with Latin America passing one billion for the first time. The company is expanding services for purchases made by AI agents through Visa Intelligent Commerce and its Trusted Agent Protocol. It also announced a pilot with BILL in which authorised AI agents pay approved invoices.

What it means: The results show that card payments keep growing worldwide despite the rise of instant account-to-account payments, and that Visa is now turning to purchases that AI agents will make on behalf of consumers and businesses. The BILL pilot is telling: it concerns not only retail purchases but also paying invoices between businesses, where much of the work is still done by hand. The key question the industry has not yet answered is who is liable when an AI agent makes a wrong payment or when someone exploits it for fraud. Rules for disputes and refunds were designed for humans. For Greek businesses, the trend means supplier payments may gradually become more automated, but clear limits are needed: which amounts a system can approve on its own, who signs off in the end and how transactions are recorded for audit and myDATA. For merchants, support for agent payments may become a new criterion when choosing a payment provider.

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