Visa and Ramp deploy AI agents to automate corporate bill pay with real-time controls

Visa and Ramp to use agentic AI to automate corporate bill pay

This content has been selected, created and edited by the Finextra editorial team based upon its relevance and interest to our community. Leveraging Visa's Intelligent Commerce and Trusted Agent Protocol, the two companies are replacing manual workflows with automation and real-time controls to help large, global organizations reduce complexity in accessing, managing and spending funds. Ramp serves 50,000 corporates with a unified platform that combines corporate cards and expense management, bill payments, procurement, travel booking, treasury, and automated bookkeeping. The new suite of AI agents will provide Ramp customers with greater payment flexibility and more control over corporate spending, says Colin Kennedy, chief business officer at Ramp. "The best financial systems don't add controls after the fact -- they build them into every transaction," he says. "That's what we're delivering with Visa."

Visa and Ramp Develop AI Agents for Corporate Bill Pay | PYMNTS.com

By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions. These agents will provide Ramp customers with greater payment flexibility and more control over corporate spend, according to the release. This offering is part of a newly expanded partnership that also includes a renewed multi-year issuing agreement, deeper technology integration, and Visa leveraging Ramp for targeted corporate service use cases, the release said. This expansion builds on the companies' existing long-term partnership that brings together Visa's global payments network and Ramp's financial operations platform, which includes corporate cards, expense management, bill payments, procurement, travel booking, treasury, automated bookkeeping and built-in intelligence, per the release. "The best financial systems don't add controls after the fact -- they build them into every transaction," Ramp Chief Business Officer Colin Kennedy said in the release. "That's what we're delivering with Visa." Ramp's enterprise customer base grew 133% year over year in 2025 as companies seek a replacement for old infrastructure burdened by manual controls and disconnected systems, Kennedy said in a Tuesday blog post. Chris Newkirk, president, commercial and money movement solutions at Visa, said in the press release: "Enterprises are looking for payment solutions that reduce friction, not add to it. Ramp's approach to automation and real-time controls aligns with Visa's mission to make commerce simpler and more secure." Ramp announced in July that it debuted its first AI agents and that these agents are designed to help controllers automatically enforce company expense policies, block unauthorized spending and stop fraud. The company added that these were the first of a series of agents it was set to release. In October, Ramp added AI agents for invoice processing. Visa introduced a Trusted Agent Protocol in October, saying the protocol was created in partnership with Worldpay and Cloudflare and is designed to address challenges around agent-driven commerce. The Trusted Agent Protocol allows secure communication between merchants and AI agents and is designed to solve obstacles merchants face when agents shop on behalf of consumers.