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Introduction to
Intelligent Commerce

Intelligent Commerce
 on
Cybersource
 enables your AI agents to process purchase intents and complete transactions on behalf of your customers. When integrated into your agentic workflows,
Intelligent Commerce
 enables your customers to submit a purchase intent using your agents. Your agents then display a list of purchase options that best match your customers' intent. When your customers choose a purchase option, your agents retrieve your customers' tokenized payment credentials and complete the transaction using your payment system. To enable fast and secure future purchases,
Intelligent Commerce
 uses the
Token Management Service
 (
TMS
) to securely tokenize and retrieve your customers' payment credentials for a frictionless checkout experience.
This guide explains how you can use
Intelligent Commerce
 to manage the entire transaction experience, from initial intent to verifying transaction completion.

Benefits

These are the key benefits of Intelligent Commerce:
  • Connecting to multiple card networks with one integration, enabling your customers to use their preferred payment method.
  • Expanding your business to more customers by being able to accept a variety of card types.
  • Processing agent-driven transactions using Visa's transaction authentication, including
    TMS
     and passkey capabilities.
  • Capturing your customer's purchase intent to verify that your agent is acting in accordance with the customer's instruction.

Customer Purchase Intent Examples

When your customers use your agents to begin their purchase intent, they can send messages like these:
  • Here's a list of back-to-school supplies. Find and purchase all of these supplies. Keep the total purchase amount under $100.
  • I'm looking for men's black running shoes that are a size 10.5. My purchase limit is $150. Only show me shoes that are rated positively.
  • Find me a flight from Austin to Chicago on September 14th in the morning. I have a carry-on and I need to check a bag. My purchase limit is $350.