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Expertise

AI & Agentic Commerce in Payments

Artificial intelligence is rapidly becoming embedded across the global payments ecosystem. Merchant acquirers, processors, networks, and ecommerce platforms are investing heavily in AI-driven infrastructure designed to automate commerce, improve fraud prevention, optimize routing, and support autonomous transactions.

The Nilson Report covers:

  • AI-driven payments
  • Agentic commerce
  • Intelligent routing
  • Autonomous checkout
  • Fraud prevention
  • Payment authentication
  • AI payment agents
  • Tokenized commerce
  • Merchant risk management

Coverage includes executive interviews, and reporting on emerging AI payment technologies.

AI Is Reshaping Payment Infrastructure

Processors and payment networks are rapidly building infrastructure for AI-initiated transactions and autonomous commerce.

Recent Nilson Report coverage includes:

  • Visa Intelligent Commerce expanding globally to support AI-agent payment workflows.
  • FIS adapting payment infrastructure to identify AI-agent transactions across Visa and Mastercard frameworks.
  • Worldline integrating Model Context Protocol servers into its processing infrastructure for agentic commerce.
  • Coinbase reviving the HTTP 402 “Payment Required” protocol for machine-driven payments and AI commerce.

Coverage also examines how processors are using AI to improve:

  • Authorization rates
  • Payment routing
  • Fraud detection
  • Dispute management
  • Merchant onboarding
  • Transaction optimization
The insights on this page are drawn from proprietary research. Download a Complimentary Sample Issue to experience the full depth of our exclusive reporting, data, and analysis.

Fraud Prevention & Intelligent Risk Management

AI-driven fraud fighting has become a major competitive differentiator across ecommerce and merchant acquiring.

The Nilson Report tracks:

  • AI fraud prevention
  • Merchant risk management
  • Behavioral analytics
  • Intelligent transaction monitoring
  • Identity verification
  • Chargeback mitigation

Recent coverage includes:

  • Certos screened more than 11 trillion in payments while preventing $3.70 billion in fraud.
  • Persistent Systems launching AI-driven merchant risk management and fraud detection tools.
  • EverC using AI-powered assessments to identify merchant and marketplace risk.
  • Visa launched dispute resolution and fraud reduction tools for merchants and acquirers.

The publication also follows how AI is being integrated into:

  • Payment orchestration
  • Tokenization
  • Ecommerce optimization
  • Cybersecurity
  • Merchant analytics
  • Payment authentication

Agentic Commerce & Autonomous Payments

The payments industry is increasingly preparing for AI agents capable of initiating and completing transactions autonomously.

Recent Nilson Report coverage includes:

  • Stripe launched Agentic Commerce tools for ecommerce platforms and retailers.
  • Klarna developing protocols for AI systems and merchants to exchange commerce data.
  • Nexi launched open-source AI payment infrastructure APIs.
  • Yuno deployed AI agents that monitor and optimize merchant payment operations in real time.

Coverage also tracks developments in:

  • AI shopping agents
  • Conversational commerce
  • Tokenized AI transactions
  • Machine-driven commerce
  • Autonomous checkout
  • Intelligent merchant infrastructure

Related Merchant Acquiring Topics

Access the Full Data

The Nilson Report provides:

  • AI and agentic commerce infrastructure analysis
  • Fraud prevention and merchant risk reporting
  • Intelligent routing and payment optimization coverage
  • AI payment authentication insights
  • Autonomous commerce developments

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Expertise

Merchant Acquiring Data, Rankings & Industry Insights
  • AI & Agentic Commerce in Payments

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July 2026
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