Visa and Artemis have released a research report titled "Agentic Payments from the Ground Up," saying AI agent payments are shifting from theory into actual commercial use. The report splits the space into two categories: macro commerce and micro commerce. In macro commerce, agents act on behalf of people to complete purchases such as bookings and subscriptions, in a model similar to traditional e-commerce. In micro commerce, payments happen directly between software systems and are usually high-frequency, low-value transactions, typically below $1. The report points to this second category as a practical setting for payment infrastructure designed for small, frequent transfers.
Visa and Artemis have jointly released a research report, "Agentic Payments from the Ground Up," saying AI agent payments are moving from a theoretical concept into real commercial scenarios.
The report divides AI agent payments into two categories: macro commerce and micro commerce. Macro commerce refers to agents completing purchases such as bookings and subscriptions on behalf of humans, in a model similar to traditional e-commerce. Micro commerce refers to high-frequency, small-value payments between software systems, with transactions usually below $1.
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