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Visa, BILL and Billtrust pilot AI to handle B2B invoice payments

Nate Gregory
Published Oct 20, 2026
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Summary:
  • Visa Inc. is partnering with BILL Holdings Inc. and Billtrust on a pilot in which AI agents handle end-to-end business invoice payments without a person having to authenticate.
  • In the pilot, a BILL-run agent uses tokenized credentials and explicit payment instructions to act for a business customer, while Billtrust uses Visa's technology to enable settlement.
  • In a statement Tuesday, the companies said the pilot tackles the tedious review and payment of predictable, recurring invoices; earlier this year, Visa announced plans to reduce its workforce by about 7%.

What the pilot does

The trio is testing AI agents that can start and finish invoice payments without a person authenticating each step. The aim is to offload manual work tied to bills that land on a schedule and follow predictable rules.

How it works

BILL's agent carries tokenized credentials - a digital stand-in for a customer's payment details - and follows clear directions on what to pay and how to pay it, transacting on the customer's behalf. Billtrust then uses Visa's technology to allow those payments to be completed.

What leaders are saying

Mark Nelsen, Visa's head of product for commercial and money-movement solutions, said, "Businesses should not have to choose between automation and control when making payments." "This pilot applies agentic commerce to a real B2B-payment problem."

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The bigger AI push and why it matters

Visa has been exploring AI agents beyond B2B, partnering with OpenAI earlier this year to let agents place online orders after users grant permission. AI is also changing Visa's internal operations: earlier this year, Visa announced it would reduce its workforce by about 7%, and Chief Executive Officer Ryan McInerney said AI is hastening changes in how work gets done at the company.

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