Card Networks Use Trust and Identity to Build Agentic Commer…

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To transition to autonomous transactions, payment networks and acquirers need to adapt existing fraud, authorization, and dispute systems rather than build parallel systems.
The primary focus should be on clearly defining what constitutes an agent-initiated transaction, including how agent identities are represented and how intent is documented.
Ensuring traceability of agent activity is crucial to maintaining trust and accountability, which have become central challenges with autonomous commerce systems.
Identity verification must extend to the agents themselves to maintain trust in the process, alongside new frameworks like Visa’s Trusted Agent Protocol and initiatives from the FIDO Alliance.
Building trust involves operational and behavioral alignment on how agent identity, consent, and liability are represented for consumers, merchants, and acquirers.
Transactions involving structured activities, like gift purchasing or travel planning, are good starting points for scaling agentic commerce due to their predictability and lower regulatory risk.
Agentic commerce is considered a long-term effort rather than a sprint; thus, it’s wise to start with bounded, predictable use cases to gradually establish trust and standards.

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