Fidelity National Information Services (FIS) announced the launch of its first agentic commerce platform on January 12, 2026. The new offering lets banks enable AI agents to source, negotiate, and complete purchases or financial transactions using pre‑approved payment methods, while the banks retain full control over authorization, authentication, and dispute resolution.
The platform is built on a secure framework that integrates directly with Visa and Mastercard’s payment networks. By leveraging the existing authorization, authentication, and fraud‑prevention protocols of the two card networks, FIS ensures that AI‑initiated transactions are processed with the same level of security and compliance as traditional card payments, while allowing banks to maintain oversight and governance.
The launch follows FIS’s recent acquisition of Global Payments’ Issuer Solutions business (formerly TSYS) for $13.5 billion, announced on the same day. The acquisition expands FIS’s issuing footprint and data capabilities, giving the company a broader customer base and deeper transaction data to support the new agentic commerce platform. The synergy between the acquired issuer solutions and the platform positions FIS to offer a more comprehensive suite of services to its banking clients.
McKinsey’s research projects that agentic commerce could generate up to $1 trillion in U.S. retail revenue by 2030 and $3–5 trillion globally. The trend is reinforced by Visa’s Intelligent Commerce initiative and Mastercard’s Agent Pay program, both of which aim to enable AI agents to transact securely on their networks. FIS’s platform therefore taps into a rapidly expanding market and aligns with the broader industry movement toward AI‑driven commerce.
FIS estimates that issuers who adopt the platform will see fewer chargebacks, higher transaction approval rates, and enhanced fraud protection. Merchants are expected to benefit from higher approval rates and lower false‑decline rates, while consumers gain a more seamless, AI‑powered purchasing experience. The platform will be available to all FIS issuing bank clients by the end of the first quarter of 2026.
"Agentic commerce represents a fundamental shift in how consumers interact with financial services," said Stephanie Ferris, CEO and President of FIS. "By combining our global payments scale, the newly acquired issuing capabilities, and partnerships with Visa and Mastercard, we are enabling AI‑powered solutions that keep our clients at the center of commerce while enhancing security, reducing friction, and improving consumer experiences."
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