Visa has launched the first end to end voice-enabled agentic payment system in the United Arab Emirates (UAE) in partnership with real estate developer Alder.

The service, which uses Visa Intelligent Commerce, will allow customers to pay real estate service charges on the Live Aldar mobile app through an AI agent.

During the first transaction, the agent took the customer through a “simple, consent-led flow”, which confirmed their details and competed the payment on their behalf within seconds.

The transaction was completed using an Emirates NBD Darna Visa Credit Card, an exclusive co-branded credit card linked to Aldar’s digital loyalty platform, Darna.

Visa said the initial agentic use case focuses on routine and repetitive transactions that can be streamlined through AI agents.

In the coming weeks, Visa said cardholders in the UAE will be able to use an AI agent on both
Live Aldar app and the Aldar website pay their real estate service charges.

Visa and Aldar plan to add additional capabilities to the app using agentic AI next year.

Visa Intelligent Commerce is a suite of APIs and supporting tools that helps enable secure transactions initiated by AI agents within Visa’s network, operated under strict compliance and security standards.

The payments firm said a key component is tokenisation, which is supported by Visa’s Token Management Service (TMS) to protect customer credentials while enabling agent-initiated payments.

“This implementation with Aldar demonstrates how Visa Intelligent Commerce can support trusted, secure agent-initiated transactions on the Visa cardholder’s behalf, including handling routine financial tasks,” said Godfrey Sullivan, senior vice president, head of products & solutions, CEMEA, Visa. “We look forward to working with Aldar as they explore additional ways to bring intelligent, convenient experiences to their customers, and to continuing our work with issuers, merchants, and ecosystem players to advance and scale agentic commerce.’’

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