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.

Fraud tools are useful, but they are not a substitute for a real fraud strategy. ISVs, PayFacs, platforms, and payment companies need risk appetite, clean data, alert workflows, feedback loops, escalation paths, and people who know when the dashboard is lying.