Visa、BILL 和 Billtrust 已启动一项实时试点，由 AI 代理从头到尾完成已批准供应商发票的支付。这些代理通过供应商自有的支付门户进行支付。这三家公司称这是同类首个实时试点。
Visa, BILL and Billtrust have started a live pilot in which AI agents pay approved supplier invoices from start to finish. The agents pay through suppliers’ own payment portals. The three companies call it the first live pilot of its kind.
直到现在，许多此类门户仍需要人工登录并输入支付信息。三家公司周二在一份联合声明中宣布了该试点。试点已在 BILL 平台上的买方与 Billtrust 平台上的供应商之间处理真实交易。
Until now, many of those portals needed a person to and type in the payment. The companies announced the pilot in a joint release on Tuesday. The pilot is already processing real transactions between buyers on BILL and suppliers on Billtrust.
BILL 为其企业客户处理应付账款。其支付代理通过 Visa 的可信代理协议和代理目录注册。该代理使用代币化卡凭证支付，并在买方批准的支付指令设定的额度内操作。
BILL handles payables for its business customers. Its payment agent is registered through Visa’s Trusted Agent Protocol and Agentic Directory. The agent pays with tokenised card credentials, within limits set by the buyer’s approved payment instructions.
在另一端，Billtrust 使用同一 Visa 协议来识别和验证代理。这种验证可以取代此类门户使用的 CAPTCHA 和其他反机器人工具。代理无需单独的登录凭证。
On the other side, Billtrust uses the same Visa protocol to recognise and authenticate the agent. That check can replace the CAPTCHAs and other bot-blocking tools such portals use. The agent needs no separate.
这些公司表示，代理不决定支付什么。它仅完成买方已批准的支付，买方也不再共享其供应商门户的登录凭证。
The agent does not decide what to pay, the companies said. It only completes payments the buyer has already approved, and buyers no longer share their supplier-portals.
“企业在付款时不应在自动化和控制之间被迫二选一，”Visa 商业及资金流动解决方案产品负责人 Mark Nelsen 表示。
“Businesses should not have to choose between automation and control when making payments,” said Mark Nelsen, head of product for commercial and money movement solutions at Visa.
这些公司将门户支付步骤描述为应付账款流程中最后的手动环节之一。对买方而言，自动化该步骤可让财务团队免于手工录入支付信息；对供应商而言，则意味着更快的刷卡支付，并据称能加快现金回收。
The companies describe the portal step as one of the last manual parts of accounts payable. For buyers, automating it saves finance teams from keying in payments by hand. For suppliers, it means faster card payments and, they say, quicker cash collection.
“长期以来，供应商门户一直是摩擦点，要求人工手动完成本应自动化的步骤，”BILL 支付与金融服务高级副总裁 Archana Prasad 表示。
“For too long, supplier portals have been friction points, requiring a person to manually complete what should be an automated step,” said Archana Prasad, BILL’s senior vice president of payments and financial services.
BILL 称近 50 万家企业使用其平台。Billtrust 称其买方网络拥有超过 2000 万买方，年贸易信用额度达 1 万亿美元。
BILL says nearly 500,000 businesses use its platform. Billtrust says its buyer network has more than 20 million buyers and $1 trillion in annual trade credit volume.
“只有当企业能够信任智能体像人一样，以同样的清晰度和问责制跨系统运作时，智能体商务才能向前发展，”Billtrust支付业务高级副总裁Kunal Patel表示。
“Agentic commerce will only move forward if businesses can trust agents to operate across systems with the same clarity and accountability they expect from people,” said Kunal Patel, senior vice president of payments at Billtrust.
Visa此前曾致力于智能体支付。9月，它联合Mastercard和蚂蚁国际共同探讨AI智能体的身份验证。另外，周二，Stripe和Sierra让AI智能体在客户通话期间接收付款。
Visa has worked on agent payments before. In September it joined Mastercard and Ant International on checking AI agents’ identity. Separately, on Tuesday, Stripe and Sierra let AI agents take payments during customer calls.
这些公司未透露试点的交易数量，也未给出更大范围推出的时间表。它们表示，将随着试点的继续，持续探索智能体支付。
The companies gave no transaction numbers for the pilot and no date for a wider launch. They said they will keep exploring agentic payments as the pilot continues.