Whitepapers

The Merchant Risk Problem in Agentic Commerce

February 13, 2026

Agentic Commerce Is Here. Are You Ready?

Learn How to Get Started With Our Interactive, AI-Powered Guide

AI agents are beginning to transact on behalf of consumers—moving payments beyond traditional checkouts and outside merchant-controlled environments.

This shift introduces a fifth participant into the payments model: the AI agent. As human behavioral signals disappear, consent becomes harder to validate, and liability increasingly shifts downstream to merchants. The trillion-dollar opportunity is real—but so is the structural risk.

Capturing agent-driven revenue requires a new trust layer.

Independent, merchant-owned tokenization—combined with payment orchestration and intelligence—creates the programmable infrastructure needed to validate agent identity, enforce consent, prevent lock-in, and monitor risk in real time across evolving protocols and providers.

The Merchant Risk Problem in Agentic Commerce

What You’ll Get Inside

  • How agentic commerce shifts risk to merchants and breaks traditional fraud models

  • Why tokenization must evolve beyond security to enable control, portability, and auditability

  • The difference between PSP, network, and merchant-owned tokens—and why a dual-tier strategy matters

  • How orchestration becomes trust orchestration across human and AI-initiated payments

  • Why continuous payment intelligence is essential to detect anomalies and manage chargebacks

Agentic commerce is here. The question is whether your payment architecture is ready.

The Future is Agentic.
Are You Ready?

As commerce shifts from clicks to agents, your infrastructure must be protocol-agnostic. IXOPAY acts as the neutral trust layer, orchestrating identity and value across the fragmenting landscape of AI agent protocols.

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