This challenge has arisen because even as agentic commerce scales with the support of major corporations, fraud systems designed around earlier technologies have not kept pace and are misclassifying legitimate agents as malicious bots, according to the release.

“As agentic commerce scales, merchants face a clear choice: adapt their detection and evidence infrastructure now, or watch a growing share of legitimate revenue get declined by their own systems,” Chargebacks911 Founder and CEO Monica Eaton said in the release.

Chargebacks911, a provider of chargeback prevention and remediation technology, offers solutions for agentic commerce in the form of the Unified Dispute Management System (UDMS) and ResolveLab platforms, according to the release.

These tools use AI and machine learning to handle agentic transactions by capturing the full consent and permission trail and then giving merchants and financial institutions the visibility they need to distinguish between legitimate agent transactions and malicious automated activity, per the release.

“The organizations that build that capability now will not only reduce false declines; they will have a structural advantage as AI-driven purchasing becomes the norm,” Chargebacks911 Chief Technology Officer Donald Kossmann said in the release.

The PYMNTS Intelligence report “Agents of Change: How Agentic AI Is Redefining Commerce” found that agentic AI is reshaping commerce with autonomous transactions, redefining customer trust and creating a $1.7 trillion opportunity for those ready to lead.

Among retailers, 43% are piloting autonomous AI and 81% trust the technology’s ability to operate autonomously if the right guardrails are in place.

“Agentic AI-driven retail is no longer theoretical — it’s here and already beginning to transform commerce,” the report said. “Businesses that act now will set the benchmarks for trust, speed and customer experience. Those that delay risk being eclipsed by early adopters defining the next digital economy.”

Another PYMNTS Intelligence report, “The Hidden Costs of ‘Good Enough’: Identity Verification in the Age of Bots and Agents,” found that inadequate digital identity systems are a revenue trap that slows onboarding, alienates customers and curbs expansion into new markets.

For all PYMNTS AI coverage, subscribe to the daily AI Newsletter.