Visa and Ramp Develop AI Agents for Corporate Bill Pay

Visa and financial operations platform Ramp are introducing artificial intelligence (AI) agents that automate corporate bill pay, reduce manual work, curb spend and unlock savings, the companies said in a Tuesday (March 31) press release.

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.

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