随着Instinct和Meta Platforms的Muse等AI助手开始在购物领域获得关注，Stripe已在代理支付方式上占据领先地位。这让信用卡巨头感到不安。
As AI assistants like Instinct and Meta Platforms’ Muse start to gain traction in shopping, Stripe has taken a leading position in how the agents pay. That’s putting the credit card giants on edge.
知情人士称，他们担心的原因是：在许多情况下，Stripe通过一次性虚拟卡实现AI代理购买，这可能让银行卡网络对购物和支付流程的控制力减弱。万事达卡和Visa已开发出自己的代理购物支付技术，将使用客户现有的卡片，使卡企能更清晰地掌握是谁在进行何种购买。不过，该方式仍处于早期阶段。
The reason for their apprehension: Stripe in many cases is enabling AI agent purchases through virtual cards for one-time use, which can leave card networks with less control over the shopping and payment process, people who work closely with the card firms say. Mastercard and Visa have developed their own payment technology for agent shopping that would use customers’ existing cards, giving the card companies more visibility into who’s making what purchases. That method is still at an early stage, though.