The first transactions initiated by AI agents on a cardholder’s behalf are already happening, and the infrastructure for machine-initiated payments is being built now with comparatively less focus on dispute operations.
When an agent-initiated transaction goes wrong, the resulting claim enters a process designed entirely around a human cardholder. Reason codes, evidence standards, and intent attribution all assume a person made a decision.
In this white paper, we explore what it takes to be ready for agentic commerce and its impact on fraud and dispute operations at issuing banks.
Read the full report to find:
- Why the economics of manual dispute handling collapse under high-frequency, AI-initiated transactions
- A new taxonomy of agentic disputes that existing reason codes cannot handle
- How enriched transaction data deflects unnecessary claims before they reach your back office
- The shift from cardholder narratives to programmatic evidence trails, and what that means for your operations
- A practical Agentic Readiness Checklist to assess where your operations stand today
