VISA Agentic Transactions

Introduction:

Juspay has integrated as an agent enabler with VISA for enabling banks, merchants to create agents which shop on behalf of the users and purchase items from a select list of merchants.

This integration has been initiated in the Singapore market as part of the initial rollout. As part of the rollout, select users can use an AI Agent (created by Juspay) to browse the merchant catalogue using prompts and order items via the chatbot.

This section will detail out the apis that AI Agents need to integrate with Juspay as an Agent enabler and

Below diagrams details out the user journey from card addition in the AI agent till purchase.

Card enrollment steps in the VISA Intelligent commerce platform:

1. Creation of token with VISA Tokenization system after user is registered on an AI Agent platform
2. Creation of passkey for the device and card combination which will act as authentication mechanism for purchase flow. For this, the first step is VPP (VISA Payment Passkey Service) integration which will be done by the merchants/agents. For both #1 and #2, merchants/agents will integrate with Provision Token and create Passkey API.
3. Juspay is PCI Compliant entity where we enroll card in the VISA Intelligent commerce using the assurance data and token reference received from #2 and #1 respectively

Purchase steps in the VISA Intelligent commerce platform:

1. User selects card from the list of cards saved on the AI Agent after they select the product to purchase from the merchant app

2. User is redirected to the VISA Passkeys URL where authentication is completed

3. An Agentic Payment instruction is setup using assurance data received from #2 after authentication is complete along with transaction details

4. Payment credentials (Token and DAVV) are fetched for the transaction from VISA Intelligent commerce

5. Order is placed on merchant website or application using the Token + DAVV fetched from #4