Revolut makes its first AI-initiated secure payment in France with Visa

British fintech Revolut announced on Monday that it had made the first secure payment initiated by artificial intelligence (AI) in France, in collaboration with Visa, the company said in a press release.

This transaction, carried out as part of a test, aimed to “better understand how this type of payment could work in real purchasing situations, while ensuring customer consent, issuer controls and the maintenance of existing protections”, underlined the British neobank.

Concretely, the AI ​​agent, with the customer's authorization, can carry out the different stages from purchase to payment. During the exercise, Visa's test agent initiated a live transaction with merchant Cleverbridge, while Visa Payment Passkey (VPP) authenticated the transaction, a step touted as "an important step towards the future of AI-powered commerce."

The test, which focused on common payment scenarios, aims to “shape the future of payments”, according to Revolut, to make everyday financial experiences “simpler, faster and more intuitive”, while putting customers “in full control of their decisions”.

Visa assures that the transaction is carried out by “using existing payment infrastructure” including payment protection, “such as card security, identity checks and real-time fraud monitoring”.

The experiment was carried out as AI tools are increasingly used by consumers to search, compare and make decisions when making purchases: according to the 2026 Digital Barometer cited by Revolut, “51% of the French population uses generative AI tools”.

The Spanish bank Santander had already carried out in March, in collaboration with Mastercard, the first end-to-end payment in Europe executed by an artificial intelligence agent.

Founded in 2015, Revolut has grown rapidly, reaching a valuation of $115 billion following a secondary share sale in July.