By PYMNTS | October 21, 2026
Visa has introduced new capabilities designed to keep commercial virtual card payments safer.
Visa Commercial Fraud Solutions are part of a series of new capabilities designed to bring “trust and control” to business payments, Visa said in a Wednesday (Oct. 21) news release.
“Businesses are moving quickly to automate the work around payments, from identifying supplier opportunities to approving invoices and executing transactions,” Darren Parslow, global head of Visa Commercial Solutions, said in the release.
“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.”
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The company says B2B virtual card payments will reach $14.6 trillion by 2029, per Juniper Research, representing 83% of the global market. As adoption increases, Visa said, companies are facing greater pressure to verify suppliers are validated, users are authenticated, and that payments are carried out as intended.
Visa Commercial Fraud Solutions offers protection across three critical stages of a commercial payment, ensuring payments reach the intended supplier verifying commercial card users via 3-D Secure authentication. The solution also lets businesses establish transaction-level controls, such as spend, merchant category, location and timing parameters.
In addition to these new capabilities, Visa also introduced the next interaction of its Supplier Enablement Spend Analytics, SESA 2.0, which “combines AI-driven supplier scoring, Visa commercial payments data, buyer benchmarks and business-value modeling” to help financial find identify suppliers that may be more likely to take commercial card payments and estimate potential opportunities for commercial card growth.
These new offerings follow Visa’s announcement Tuesday (Oct. 20) of an agentic payments project with accounts payable and receivable solutions providers BILL and Billtrust. The company said the partnership is the first live pilot to allow artificial intelligence (AI) agents “to initiate and complete approved buyer invoice payments end-to-end through supplier portals.”
Writing about virtual cards last month, PYMNTS argued that agentic commerce has changed the questions CFOs must ask about these cards, from “What is the best way to pay this supplier?” to “What is the safest way to give software authority to spend?”
The report gives the example of a procurement agent authorized to order new inventory when stock drops below a certain threshold. Giving them software ongoing access to a company bank account creates an obvious governance issue.
“Requiring a human to manually approve every transaction, meanwhile, limits much of the economic value of autonomous software,” the report said. “There is a middle ground: give the software permission to spend, but narrowly define that permission.”