Gap note
Visa Intelligent Commerce gaps
Visa Intelligent Commerce gap note, checked 2026-11-02. It quotes primary pages on settlement, spend controls, revocation, composition, license, governance, cross-company use, and refunds. A not documented line uses the read date. The note does not rank the listing. Omitted means that dimension was not checked for this note.
Last verified 2026-11-02
Sources
Visa Intelligent Commerce listing · Protocol compatibility · Spend controls · Gaps JSON · See what changed this week
| Dimension | Status |
|---|---|
| Settlement asset | Documented |
| Spend controls | Mixed |
| Revocation | Documented |
| Protocol composition | Documented |
| License | Mixed |
| Governance body | Documented |
| Cross-company use | Documented |
| Refunds and disputes | Mixed |
Settlement asset
Documented
The credential is a signed or encrypted network token, cryptogram, and ECI. Eligible cards are tokenizable credit, debit, and prepaid cards. The enrollment steps say not to store the raw primary account number for later use.
Visa Intelligent Commerce getting started · Read 2026-11-02
Spend controls
Documented
A mandate is the consumer defined spend parameters inside an instruction, including declineThreshold and effectiveUntilTime. An instruction may hold at most 10 mandates.
Visa Intelligent Commerce getting started · Read 2026-11-02
Not documented
Not documented as of 2026-11-02. A merchant allowlist. The checked pages say a purchase instruction can name a merchant and that an instruction can span more than one merchant. They do not state a merchant allowlist.
Visa Intelligent Commerce workflows · Read 2026-11-02
Revocation
Documented
PUT /vacp/v2/instructions/{instructionId}/cancel cancels an active instruction. Credentials already issued remain valid for the merchant.
Visa Intelligent Commerce workflows · Read 2026-11-02
Protocol composition
Documented
Production onboarding includes the Trusted Agent Protocol, Visa Token Service, Visa Payment Passkeys as applicable, and registration in the Visa Agent Registry Service.
Visa Intelligent Commerce getting started · Read 2026-11-02
The getting started page lists an MCP based integration over streamable HTTP at sandbox.mcp.visa.com, or a direct REST API with message level encryption.
Visa Intelligent Commerce getting started · Read 2026-11-02
The same page lists Machine Payments Protocol (MPP) / HTTP 402 payment flows as a topic of the visa-best-practices skill. It does not say the hosted APIs implement MPP.
Visa Intelligent Commerce getting started · Read 2026-11-02
License
Documented
MIT. The GitHub license API reported this SPDX identifier for visa/ai on 2026-11-02. The repository describes tools, examples, skills, and the packages @visa/mcp-client, @visa/token-manager, and @visa/api-client.
visa/ai repository · Read 2026-11-02
Not documented
Not documented as of 2026-11-02. A license for the hosted Visa Intelligent Commerce APIs. The checked docs pages do not name one.
Visa Intelligent Commerce getting started · Read 2026-11-02
Governance body
Documented
Visa publishes Visa Intelligent Commerce. Sandbox, Certification, and Production each require Visa approval. Production processes live transactions and requires CTE certification, including PCI attestation and signed contracts.
Visa Intelligent Commerce production readiness · Read 2026-11-02
Cross-company use
Documented
The getting started page says Visa Intelligent Commerce enables Agent Providers, Wallet Providers, and Agent Enablers to conduct commerce on behalf of consumers.
Visa Intelligent Commerce getting started · Read 2026-11-02
Refunds and disputes
Who handles a refund when an agent pays
Documented
The workflows page says Visa retains post purchase confirmation data for use in the event of a dispute.
Visa Intelligent Commerce workflows · Read 2026-11-02
The production readiness page says an Agent Provider sends Compelling Evidence 3.0 data elements to support auto resolution of fraud disputes.
Visa Intelligent Commerce production readiness · Read 2026-11-02
Not documented
Not documented as of 2026-11-02. Which party decides a cardholder dispute. The checked pages name confirmation data Visa retains and Compelling Evidence 3.0 data the Agent Provider sends. They do not name the party that decides the dispute.
Visa Intelligent Commerce production readiness · Read 2026-11-02
Questions
- What does not documented mean?
- Not documented means the cited page does not state the fact. The line names that page and the day it was read. It is not a claim that the fact is false.
- What does omitted mean?
- Omitted means this note has no checked source for that dimension. The dimension was left out rather than filled in.
- Does the index rank these products?
- No. The table can be sorted by name, by dimension status, or by checked date. Sort order is not a score.
- Where is the machine readable file?
- GET /data/gaps.json. The file includes every note, the cited sources, and the read dates.