Worldline and ING have completed a live, end-to-end agentic payment transaction with Visa in Germany. The transaction used Visa Payment Passkeys and biometric authentication within existing Strong Customer Authentication (SCA) requirements. Worldline and ING have joined Visa’s Agentic Ready Programme as part of the announcement.
In the transaction, a consumer set the parameters for a purchase, including what to buy and when, and instructed a merchant AI agent to act within those limits. The agent identified a product, and the user authenticated the purchase intent using Visa Payment Passkeys. The consumer confirmed the transaction through biometric authentication, and ING, as the issuing bank, authorised the payment. Worldline processed the transaction end-to-end across its infrastructure.
Madalena Cascais Tomé, Member of the Executive Committee, Worldline, said: “As agentic payments emerge, the priority is to build trust into a new way of buying and paying. With this new use case, together with ING, Worldline is further advancing the maturity of the agentic payments ecosystem in Europe, demonstrating how frontier payment journeys can take shape across geographies, use cases and customer experiences. At Worldline, we connect and orchestrate the participants of the payment value chain – issuers, acquirers, merchants, schemes – to enable these new models at scale, while building the trust, security and reliability needed for broader adoption. This is how we see our role: helping shape the trusted ecosystem for the next generation of payments in Europe.”
Throughout the transaction, the AI agent operated within instructions set by the consumer. ING retained control over the authorisation, maintaining a record of what was authorised, by whom, and under what conditions.
For merchants, the companies said the demonstration shows that accepting agent-initiated orders does not require reduced fraud protection or bespoke payment infrastructure, since the transaction was authenticated via Visa Payment Passkeys and authorised by a financial institution under existing SCA requirements.
Hans Overeem, Head of Payments, ING Netherlands, said: “ING is committed to delivering convenient and secure experiences for our customers and their trusted agents. This milestone demonstrates that agented payments can be both user-friendly and auditable, with biometrics and delayed capture enabling flexible, safe purchasing.”
Mathieu Altwegg, Head of Product & Solutions, Visa Europe, noted: “Agentic AI has the potential to reshape digital commerce, and this milestone shows how that future can begin to take shape in Europe. Through Visa Intelligent Commerce, we are helping bring trusted payment credentials, consumer control and programmability into emerging agentic commerce use cases. With ING and Worldline now part of our Agentic Ready programme, we are supporting real-world testing of how AI-enabled experiences can help consumers shop and pay within clearly defined parameters and established payment controls.”
The companies said the pilot contributes to the ongoing development of agentic commerce across Europe.
A Second Agentic Pilot In A Month For Worldline And ING
The Visa transaction follows a similar initiative Worldline and ING carried out with Mastercard, announced at Money20/20 Europe on June 2, 2026. That transaction was described by the companies as Europe’s first live, end-to-end agentic payment transaction in a production environment, executed between an ING cardholder and a merchant in the Netherlands, using infrastructure spanning the Netherlands and Belgium. In that example, a merchant AI agent selected concert tickets within a customer’s stated budget for a wedding anniversary gift and completed the payment after customer confirmation.
Similarities. Both transactions were carried out by Worldline and ING and relied on a merchant AI agent acting within limits set in advance by the consumer. In both cases, ING retained authorisation control as the issuing bank, and Worldline processed the transaction across its infrastructure. Both were framed by the companies as steps toward broader adoption of agentic commerce in Europe rather than as commercial launches.
Differences. The June transaction ran on Mastercard’s network and used existing payment security mechanisms for authentication and authorisation, while the July transaction ran on Visa’s network and specified Visa Payment Passkeys with biometric confirmation as the authentication method. The June pilot took place between the Netherlands and Belgium and was tied to the Money20/20 Europe event; the July transaction took place in Germany and coincided with Worldline and ING joining Visa’s Agentic Ready Programme.
Worldline and ING have not specified a timeline for further agentic payment pilots with either network.
