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Visa wants to give artificial intelligence ‘agents’ your credit card

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Artificial intelligence “agents” are supposed to be more than chatbots. The tech industry has spent months pitching AI personal assistants that know what you want and can do real work on your behalf.

So far, they’re not doing much.

Visa hopes to change that by giving them your credit card. Set a budget and some preferences and these AI agents — successors to ChatGPT and its chatbot peers — could find and buy you a sweater, weekly groceries or an airplane ticket.

“We think this could be really important,” said Jack Forestell, Visa’s chief product and strategy officer, in an interview. “Transformational, on the order of magnitude of the advent of e-commerce itself.”

Visa announced Wednesday it is partnering with a group of leading AI chatbot developers — among them U.S. companies Anthropic, Microsoft, OpenAI and Perplexity, and France’s Mistral — to connect their AI systems to Visa’s payments network. Visa is also working with IBM, online payment company Stripe and phone-maker Samsung on the initiative. Pilot projects begin Wednesday, ahead of more widespread usage expected next year.

The San Francisco payment processing company is betting that what seems futuristic now could become a convenient alternative to our most mundane shopping tasks in the near future. It has spent the past six months working with AI developers to address technical obstacles that must be overcome before the average consumer is going to use it.

For emerging AI companies, Visa’s backing could also boost their chances of competing with tech giants Amazon and Google, which dominate digital commerce and are developing their own AI agents.

The tech industry is already full of demonstrations of the capabilities of what it calls agentic AI, though few are yet found in the real world. Most are still refashioned versions of large language models — the generative AI technology behind chatbots that can write emails, summarize documents or help people code. Trained on huge troves of data, they can scour the internet and bring back recommendations for things to buy, but they have a harder time going beyond that.

“The early incarnations of agent-based commerce are starting to do a really good job on the shopping and discovery dimension of the problem, but they are having tremendous trouble on payments,” Forestell said. “You get to this point where the agents literally just turn it back around and say, ‘OK, you go buy it.’

Visa sees itself as having a key role in giving AI agents easier and trusted access to the cash they need to make purchases.

“The payments problem is not something the AI platforms can solve by themselves,” Forestell said. “That’s why we started working with them.”

The new AI initiative comes nearly a year after Visa revealed major changes to how credit and debit cards will operate in the U.S., making physical cards and their 16-digit numbers increasingly irrelevant.

Many consumers are already getting used to digital payment systems such as Apple Pay that turn their phones into a credit card. A similar process of vetting someone’s digital credentials would authorize AI agents to work on a customer’s behalf, in a way Forestell says must assure buyers, banks and merchants that the transactions are legitimate and that Visa will handle disputes.

Forestell said that doesn’t mean AI agents will take over the entire shopping experience, but it might be useful for errands that either bore some people — like groceries, home improvement items or even Christmas lists — or are too complicated, like travel bookings. In those situations, some people might want an agent that “just powers through it and automatically goes and does stuff for us,” Forestell said.

Other shopping experiences, such as for luxury goods, are a form of entertainment and many customers still want to immerse themselves in the choices and comparisons, Forestell said. In that case, he envisions AI agents still offering assistance but staying in the background.

And what about credit card debt? The credit card balances of American consumers hit $1.21 trillion at the end of last year, according to the Federal Reserve of New York.

Forestell says consumers will give their AI agents clear spending limits and conditions that should give them confidence that the human is still in control. At first, the AI agents are likely to come back to buyers to make sure they are OK with a specific airplane ticket. Over time, those agents might get more autonomy to “go spend up to $1,500 on any airline to get me from A to B,” he said.

Part of what is attracting some AI developers to the Visa partnership is that, with a customer’s consent, an AI agent can also tap into a lot of data about past credit card purchases.

“Visa has the ability for a user to consent to share streams of their transaction history with us,” said Dmitry Shevelenko, Perplexity’s chief business officer. “When we generate a recommendation — say you’re asking, ‘What are the best laptops?’ — we would know what are other transactions you’ve made and the revealed preferences from that.”

Perplexity’s chatbot can already book hotels and make other purchases, but it’s still in the early stages of AI commerce, Shevelenko says. The San Francisco startup has also, along with ChatGPT maker OpenAI, told a federal court it would consider buying Google’s internet browser, Chrome, if the U.S. forces a breakup of the tech giant in a pending antitrust case.



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‘Doctor Who’ and Eurovision will unite for a night of music and intergalactic adventure

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LONDON (AP) — “Doctor Who” and Eurovision unite for an evening of music and intergalactic adventure on Saturday — all thanks to Russell T Davies.

Before fans tune in for the annual song contest, they can enjoy Ncuti Gatwa’s Doctor and Varada Sethu’s Belinda Chandra attending the Interstellar Song Contest in an episode of the sci-fi series.

In real life, the Eurovision Song Contest is an annual musical competition and TV event that sees 37 countries compete for a crystal microphone trophy over a four-hour live broadcast. In the interstellar version, aliens from 40 different worlds vie to win, also by singing.

Davies says it took three years to pull it off the doubleheader because they had to work with the BBC to set the schedule and storylines in stone to ensure a perfect alignment.

Britain’s Sam Ryder took a “Space Man” to Eurovision before, in 2022. Now, Gatwa will read out the U.K.’s jury scores during the song contest’s grand final, held this year in Basel, Switzerland.

Talking to The Associated Press, Davies says that both Eurovision and “Doctor Who” share the DNA of old-fashioned Saturday night television, making the combination “irresistible.”

This conversation has been edited for clarity and brevity.

Eurovision flags wave in front of the 500-year-old Basel Town Hall in the city center ahead of the first semi-final of the 69th Eurovision Song Contest, in Basel, Switzerland, Tuesday, May 13, 2025. (AP Photo/Martin Meissner)

Eurovision flags wave in front of the 500-year-old Basel Town Hall in Basel, Switzerland, Tuesday, May 13, 2025. (AP Photo/Martin Meissner)

Eurovision flags wave in front of the 500-year-old Basel Town Hall in Basel, Switzerland, Tuesday, May 13, 2025. (AP Photo/Martin Meissner)

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This image released by Disney shows Rylan Clark, left, and Julie Dray from "Doctor Who" Season 2. (BBC Studios/Disney/Bad Wolf via AP)

This image released by Disney shows Rylan Clark, left, and Julie Dray from “Doctor Who” Season 2. (BBC Studios/Disney/Bad Wolf via AP)

This image released by Disney shows Rylan Clark, left, and Julie Dray from “Doctor Who” Season 2. (BBC Studios/Disney/Bad Wolf via AP)

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AP: Do you feel that Eurovision and “Doctor Who” naturally share a kind of fandom?

DAVIES: I almost think every episode of “Doctor Who” is a great big celebration, sort of noise and color and spectacle, and that sums up Eurovision as well. In pitching this to Disney+ as well it’s like, “Look we’re going out in 60 of your territories” and Eurovision itself has a viewing figure that some years is bigger than the Super Bowl. There’s not many shows that can say that on planet Earth.

AP: How much fun did you have with the lore of Eurovision?

DAVIES: It’s enormous fun. It could be said if you’ve never seen a single Eurovision Song Contest in your life, you can still come along and watch this. It’s the kind of thing we’d have made up for a “Doctor Who” story anyway.

One day I’ll do that “ABBA Voyage” story where the holograms come to life and start killing people. That’s the best idea ever. We’ve got to do that one then. Can you imagine? That would be just amazing. I think there might be some copyright problems with that but we’d overcome them.

The actual pitch for the story to Juno (Dawson), who wrote it, was Eurovision meets “Die Hard.” So as you will see, the moment it starts, there’s trouble, someone’s out to sabotage it. There are villains behind the scenes trying to disrupt the program. All chaos is let loose and the rest of the episode is spent saving people’s lives after that.

AP: How about the songs?

DAVIES: I think there’s four songs in total (by Murray Gold). Obviously we don’t get to all 40 planets with their songs, but it was a very big production. We had to hive this off into its own production unit. There are scenes in the television gallery, where 40 different monitors have output of 40 different screens. And that’s all been fed in live. That’s not done with green screen afterwards, that’s all stuff they’d already shot. Crowds, acts, rehearsals, backstage, presenters, all of that stuff, playing onto that set, so it’s terribly complicated.

“Doctor Who” showrunner Russell T. Davies explains why an intergalactic spin on the Eurovision Song Contest was an irresistible storyline for Season 2’s May 17 episode. (May 13)

AP: Is this the most expensive episode of “Doctor Who”?

DAVIES: Frankly, they’re all expensive. It was a lot, yes. It had to be planned very far in advance, more than any. Once you plan something carefully, then it costs less just because you’re not busking. We allocate each story more or less the same amount of money. So I think it ends up costing as much as the others, but it just looks so good because they had so much time to plan it.

AP: Am I allowed to ask how much an episode normally costs?

DAVIES: We never say that. I don’t know why, but we just don’t ever do it. I don’t think they’d tell me. I’d faint.

This image released by Disney shows Christina Rotondo from "Doctor Who" Season 2. (BBC Studios/Disney/Bad Wolf via AP)

This image released by Disney shows Christina Rotondo from “Doctor Who” Season 2. (BBC Studios/Disney/Bad Wolf via AP)

This image released by Disney shows Christina Rotondo from “Doctor Who” Season 2. (BBC Studios/Disney/Bad Wolf via AP)

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AP: Are you planning to watch Eurovision this year?

DAVIES: Yes, I will be. This will be a great night. I always sit and watch “Doctor Who” — I’m old-fashioned — on its old-fashioned BBC One transmission at 7 o’clock at night.

I know people who have Eurovision parties, which I’ve never gone to actually. Look at my life, it’s devoted to television. I can’t bear other people talking over it. That would just be a nightmare. So I will be sitting in. I’ll get some nice dinner. I’ll be a very happy man.

AP: Have you got any favorites for this year?

DAVIES: I would like to go on a date with the man from Cyprus (Theo Evan). He’s beautiful. I do like the U.K. entry this year (“What the Hell Just Happened?” by Remember Monday). I have a theory it’s being underestimated in Great Britain. Just because we’re so used to losing. We’ve won five times, everyone. But this country gets a bit cynical about Eurovision sometimes. But I love our song. I think it’s got a very memorable chorus.



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US egg prices fall for the first time in months but remain near record highs

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U.S. retail egg prices fell in April from the record-high prices they hit earlier this year, according to government data released Tuesday.

The average price for a dozen Grade A eggs declined to $5.12 last month after reaching a record $6.23 in March, according to the Consumer Price Index. It was the first month-to-month drop in egg prices since October 2024.

Overall, the average price of eggs of all sizes fell 12.7%, the steepest monthly decline since March 1984.

While wholesale egg prices have been coming down for a while, it was unclear how much store prices would decrease in April because consumer demand is usually high around Easter and Passover.

Still, retail egg prices remain near historic highs as a persistent outbreak of bird flu wipes out flocks of egg-laying hens. The April average price for a dozen large eggs was 79% higher than the Bureau of Labor Statistics reported for the same month a year ago, when the price averaged $2.86 per dozen.

Bird flu has killed more than 169 million birds since early 2022. Any time a bird gets sick, the entire flock is killed to help keep bird flu from spreading. Once a flock is slaughtered, it can take as long as a year to clean a farm and raise new birds to egg-laying age.

That can have an effect on the egg supply because massive egg farms may have millions of birds. Outbreaks on two farms in Ohio and South Dakota last month affected more than 927,000 egg-laying hens.

Lowering egg prices has been a particular focus of President Donald Trump. In February, the U.S. Department of Agriculture said it would invest $1 billion to help farmers improve their biosecurity measures to fight bird flu.

The U.S. has also increased imports of eggs from South Korea, Turkey, Brazil and other countries. According to Wells Fargo Agri-Food Institute Sector Manager Kevin Bergquist, the volume of egg and egg product imports increased 77.5% during the first three months of the year compared to the same period a year ago.

The antitrust division of the U.S. Department of Justice is also investigating Cal-Maine Foods, the largest U.S. egg producer, which supplies around 20% of America’s eggs. Cal-Maine confirmed the investigation in early April..

Ridgeland, Mississippi-based Cal-Maine said its net income more than tripled to $508.5 million in its most recent quarter, which ended March 1.



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Allergic gardeners can choose plants that produce less floating pollen

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For many, the return of the spring garden brings with it a sneezy, itchy, foggy-headed feeling that hits the moment a warm breeze stirs up invisible trouble. I’m fortunate not to suffer much, but my blue car turned a chartreuse shade of yellow last week, and a $32 car wash provided results that lasted only two hours. Sigh.

These seasonal allergies often go by the old-fashioned name hay fever, but it’s not the hay that causes misery for so many, it’s the pollen.

And not just any pollen, but the nearly weightless kind that floats up our noses and engages our immune systems. Trees, weeds, grasses and even some of our favorite flowers are culprits.

But pollen isn’t all bad. It’s essential to the reproduction of plants, the survival of insects and the entire food web. We humans could not survive without it, so we absolutely shouldn’t avoid high-pollen plants as a general rule. However, if you’re an allergy sufferer who has had to forgo planting a garden due to health reasons, plants that release the least pollen may enable you to smell the flowers.

Plants that might bring sneezes

Allergy-inducing plants are those that rely on wind rather than bees or butterflies to spread their pollen. Ragweed, which strikes in late summer and early fall, gets the most notoriety, but its springtime counterparts can be at least as irritating.

Trees most likely to cause symptoms include birch (Betula), catawba (Catalba), cypress (Cupressus), elm (Ulmus), hickory/pecan (Carya), oak (Quercus), sycamore (Platanus) and walnut (Juglans), according to the Ogren Plant Allergy Scale (OPALS), created by horticulturist Thomas Ogren and published in his 2020 book, “The Allergy-Fighting Garden.”

This article is part of AP’s Be Well coverage, focusing on wellness, fitness, diet and mental health. Read more Be Well.

Palm trees, too — but only the males. In fact, female trees don’t produce pollen at all, so seek them out when possible.

Grasses can irritate eyes and sinuses, too. The scale ranks Bermuda (except sterile male varieties), Johnson, Kentucky, orchard, sweet vernal and timothy grasses among the highest for allergens.

Weeds like ragweed, curly dock, lamb’s quarters, pigweed, plantain, sheep sorrel and sagebrush are also big pollen producers, Ogren found.

Not all plants are irritating to allergy sufferers

On the other hand, plants with “double” flowers or heavier pollen that doesn’t travel far are less likely to release much pollen.

Among trees, apricot (Prunus armeniaca), fig (Ficus), fir (Abies), fruiting pear (Pyrus), fruiting plum (Prunus domestica, Prunus insititia), redbud (Cerus), serviceberry (Amelanchier laevis), female ash (Fraxinus), female box elder (Acer negundo), female cottonwood/poplar (Populus), female maple (Acer), female palm (Arecaceae) and female willow (Salix) are easier on the respiratory system.

St. Augustine and sterile male Bermuda are safer bets in the grass department.

As for flowers, you’ve got options: Begonia, female clematis, columbine, crocus, daffodil, delphinium, hibiscus, impatiens, iris, bird of paradise, pansy, petunia, phlox, poppy, snapdragon, tulip, verbena and zinnia are friends. Roses, too — especially tightly packed, dense-petaled varieties, which exude even less pollen than those with single or semi-double flowers (rose allergies are more often fragrance-related than due to pollen, according to Ogren).

And if you suffer from seasonal allergies, keeping windows closed and getting someone else to mow the lawn will also help to nip your symptoms in the bud.

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Jessica Damiano writes weekly gardening columns for the AP and publishes the award-winning Weekly Dirt Newsletter. You can sign up here for weekly gardening tips and advice.

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For more AP gardening stories, go to https://apnews.com/hub/gardening.



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