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Docs · Agent protocols

Visa Intelligent Commerce

Agent tokens, passkey-authenticated payment instructions and commerce signals.

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Designed. Protocol support is designed. The flow follows the protocol's published specification, with insimbi on the merchant side. Every check and every settlement is written to the record.

Visa Intelligent Commerce Designed. Agent tokens, passkey-authenticated payment instructions and commerce signals.
Visa Intelligent CommerceSequence diagram with 5 lanes (User, Agent, Visa, Merchant, insimbi) and 11 numbered steps. The same steps are listed in text below the diagram.UserAgentVisaMerchantinsimbi1Enrol the card: anagent-specific token,cardholder step-upand a passkey2Recommend a purchaseand ask to make it3Authenticate thepayment instructionwith the passkey4Submit theinstruction andrequest paymentcredentials5Credentials thatmatch the instruction6Check out with the agent token7Authorize8Authorization through the network, which checksmerchant and amount against the instruction9Result10Result, written tothe record11Share the purchaseoutcome as commercesignals

Steps in text

  1. Agent to Visa: Enrol the card: an agent-specific token, cardholder step-up and a passkey
  2. Agent to User: Recommend a purchase and ask to make it
  3. User to Agent: Authenticate the payment instruction with the passkey
  4. Agent to Visa: Submit the instruction and request payment credentials
  5. Visa to Agent: Credentials that match the instruction
  6. Agent to Merchant: Check out with the agent token
  7. Merchant to insimbi: Authorize
  8. insimbi to Visa: Authorization through the network, which checks merchant and amount against the instruction
  9. Visa to insimbi: Result
  10. insimbi to Merchant: Result, written to the record
  11. Agent to Visa: Share the purchase outcome as commerce signals

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