Bizum and AI Payment Agents on the Agenda at Swiss Payment Forum
Spain’s Bizum will join payment providers and banks at Swiss Payment Forum in Zurich on 16 and 17 November 2026. The published programme includes AI agents, fraud prevention and connections between European payment services, with Visa, Mastercard and Worldline among the companies scheduled to discuss agentic commerce.
Agentic commerce describes software acting on a customer’s behalf during shopping or payment. For startups building accounting tools or online commerce products, a practical question is how much authority a business gives its software and how another company recognises that authority when processing a transaction.
In an announcement carried by CryptoTotem, one of the forum’s media partners, Vereon event director Nicole von Mulert says: “Now, a more fundamental question is emerging: who will actually decide whether a payment is made?”
How the Invoice Pilot Works
On 20 October, Visa, BILL and Billtrust announced a live pilot in which an AI agent completes approved invoice payments through suppliers’ online portals. The companies are testing a task that can otherwise require an employee to log in and enter the details manually.
In the workflow described by Visa, BILL’s agent can act only on eligible transactions authorised by the buyer. It uses credentials and controls linked to that instruction. Billtrust then authenticates the agent through Visa’s Trusted Agent Protocol, allowing access to the supplier’s portal without shared login details.
Visa says participating businesses can see both authorisation and completion. The aim is to automate manual portal entry within the customer’s existing rules, while the supplier retains control over the transactions it accepts.
The pilot was processing transactions for participating buyers and suppliers when announced, according to Visa. Its release does not state how many had been completed or quantify the time saved.
Bizum and the European Network for Payments
On 17 November, Isabel Martínez Gaya of Bizum and Kim Fuglsang Kristoffersen of Vipps MobilePay are scheduled to discuss interoperability between European payment services.
The session follows the September announcement of the European Network for Payments, or ENP, by Bizum, Bancomat, EPI/Wero, SIBS-MB WAY and Vipps MobilePay. The joint entity is based in Madrid and is intended to connect the participating services through shared technical and operational infrastructure while preserving their separate brands and user experiences.
In a statement published by Bizum on 10 November, ENP named William Olgiati as its chief executive, effective from 21 October. His remit includes operational development and delivery of the organisation’s technical roadmap. Olgiati previously led payment acceptance for the EU and UK at Amazon.
The November update retains a phased rollout, beginning with cross-border transfers between individuals and extending later to online and in-store purchases. The partners want customers to use familiar national services abroad. For companies developing checkout software, the merchant phases are the relevant milestones; establishing the network itself does not make every planned service available.
Identity and Fraud Prevention
SIX is scheduled to discuss fraud prevention across payment systems on 16 November. The following day includes a digital identity session with Google’s Lucyna Janas.
The agenda also includes INFORM’s Stephan Lemkens on using machine learning and generative AI alongside identity and transaction data in risk management. That adds the fraud-detection perspective to discussions focused on initiating and accepting transactions.
Responsibility for decisions is also on the forum agenda. On 17 November, Cornelia Stengel and Thomas Weber of Kellerhals Carrard are scheduled to discuss who decides and who bears liability in payment systems.
