FintechFor CFO

“I didn’t buy that, my AI did”. Agentic commerce to drive new wave of disputes

Payment networks pilot autonomous AI purchasing, creating liability and dispute resolution challenges

The Ledger Signal | Analysis
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“I didn’t buy that, my AI did”. Agentic commerce to drive new wave of disputes

Why This Matters

Why this matters: CFOs must prepare for new payment dispute categories and potential revenue recognition complications as AI agents execute transactions without explicit human authorization.

"I didn't buy that, my AI did". Agentic commerce to drive new wave of disputes

As AI agents move from recommending purchases to autonomously executing transactions, a new wave of payment disputes is emerging where customers deny authorizing purchases their AI systems completed. Payment networks like Visa and Mastercard are already piloting agentic commerce, creating legal and operational challenges around proving customer intent when no human click occurs.

Originally Reported By
Finextra

Finextra

finextra.com

Why We Covered This

Finance teams need to understand emerging dispute patterns and potential impacts on cash flow, accounts receivable aging, and chargeback reserves as autonomous AI purchasing becomes mainstream.

Key Takeaways
As AI agents move from recommending purchases to autonomously executing transactions, a new wave of payment disputes is emerging where customers deny authorizing purchases their AI systems completed.
Payment networks like Visa and Mastercard are already piloting agentic commerce, creating legal and operational challenges around proving customer intent when no human click occurs.
CompaniesVisa(V)Mastercard(MA)
Affected Workflows
CollectionsAccounts ReceivableReporting
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WRITTEN BY

David Okafor

Treasury and cash management specialist covering working capital optimization.

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