By 2028, Your Next Customer Might Be an AI Agent. Most Startups Can’t Take Its Money Yet

Visa is plugging its network into ChatGPT so agents can pay merchants, and card dispute rules leave the seller holding most of the risk when one does.

BY TOBI OPEYEMI AMURE

Illustration: Getty Images

By 2028, 90 percent of business-to-business buying will run through AI agents, according to a Gartner prediction from October 2025, pushing more than $15 trillion in spending through agent exchanges. In June 2026, Visa said it would plug its payment network into ChatGPT, letting agents pay merchants within spending limits the user sets. Visa said the deal covers........

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