Visa, BILL, and Billtrust Launch AI-Driven B2B Invoice Payment Pilot in Las Vegas

On October 20, 2026, Visa, BILL, and Billtrust launched what they claim to be the first live pilot for automating business-to-business (B2B) invoice payments with AI agents in Las Vegas. This innovative pilot is already processing real transactions, allowing AI agents to manage the payment process without the manual logins and verification steps that often hinder automation in accounts payable.

How the Pilot Works

The pilot operates on a three-layer setup, with each layer provided by a different company. Visa supplies the trust framework through its Trusted Agent Protocol, part of its Intelligent Commerce portfolio. This protocol enables merchants and portals to verify the legitimacy of AI agents before allowing transactions.

BILL contributes the AI-powered Payment Agent, which registers with Visa’s protocol using tokenized credentials. This method replaces real card or account numbers with stand-in tokens, ensuring sensitive details are not transmitted with payments. Billtrust facilitates the other side of the transaction, authenticating suppliers through its portals where BILL’s agent settles invoices.

Addressing Supplier Portal Challenges

Many suppliers require buyers to log in to their own portals for payments, each with unique credentials and verification steps. The pilot aims to resolve these issues by using tokenized credentials instead of shared passwords, thus enhancing security. Visa’s protocol also helps verify the agent itself, reducing reliance on password sharing.

BILL has reported processing over $2 trillion in cumulative payment volume as of October 2026, with around $1 billion in daily transactions. However, the company flagged approximately $1.5 billion in mistaken or unusual payments during the fiscal year 2026, raising concerns about the potential for errors in automated payments.

Future Implications

While the pilot emphasizes security and trust, it also presents risks associated with software managing financial transactions. Buyer-approved controls depend on accurate setup, and misconfigured agents could expedite fund transfers beyond human oversight. The success of broader adoption hinges on collaboration among various portals, processors, and payment platforms to accept a unified framework.