Agentic commerce creates a new payments problem: the customer may authorize an AI agent without explicitly choosing the final transaction. When something goes wrong, proving intent may matter as much as proving identity.

AI agents may change how consumers and businesses shop, compare, select, and pay, but the old payments questions still matter. Agentic commerce will need clear authorization, token controls, user permissions, merchant trust, transaction context, fraud monitoring, dispute evidence, and liability clarity before “the AI did it” becomes the industry’s next favorite excuse.