Ujwal Chaudhari

Lead Product Manager Visa · AI Agents & Agentic Commerce

A decade inside the infrastructure behind money. At EY, I built fintech frameworks that touched 1B+ people and 10M+ businesses. At Atlan, I crossed into tech: a data-infrastructure startup where I learned to ship fast alongside engineers. Now at Visa, I lead AI Agents and Agentic Commerce. The thread: payments are getting smarter, and agents are about to run them.

Now

Shipping agent-initiated payments at Visa. Writing about what a decade inside payments infrastructure taught me about where agentic commerce is heading. Building small tools to test the ideas.

Writing

05
Essay Ads won't save Consumer AI, Agentic commerce will.
2026
Essay The Infrastructure Problem of Agentic Commerce — Ownership? 404
Part 4 of a 4-part series on Answer Engine Optimization for commerce. Part 1 covered discovery, Part 2 evaluation, Part 3 catalog curation.
2026
Essay The Curation Problem — Some Products Should Never See an Agent
2026
Note The Evaluation Problem — Weighted Composite Scoring
2026
Essay The Future of Credit Card Rewards
An analysis of evolving credit-card reward systems.
Jan 2025

Socials

live
Say hi on @unujwal ↗

Projects

03
Live
Is It Worth It?
A tool to help evaluate whether your big purchases are worth it.
worthit.unujwal.com
Live
Stripe Pricing Calculator
Calculate and compare Stripe pricing options across plans and volumes.
stripepricingcalc.unujwal.com
Live
ShopCC
A creator commerce agent for influencers, turning content into shoppable, agent-driven storefronts.
shopcc.club

Watch an Agent Buy Something

live sim

A real-time simulation of agent-initiated commerce: from natural language to Visa network settlement. This is what I build.

agent-commerce · live

Experience

03
Lead Product Manager — AI Agents & Agentic Commerce · 1B+ cardholders · 10M+ merchants
2022 — Now
Product Manager. Left enterprise for a Series B data-infrastructure startup. Shipped alongside engineers. Learned how fast-moving tech teams actually build.
2019 — 2020
Fintech frameworks for 1B+ people and 10M+ businesses
2016 — 2018