Why Checkout Could Become AI Agents New Front Door

The early winners of the internet economy were the businesses best at attracting and retaining consumer focus in an increasingly fragmented digital landscape.

But attention and focus are no longer the name of the game. Intent and execution are.

Findings in the latest edition of the Checkout Paradox Tracker®, a two-part PYMNTS Intelligence series in collaboration with PayPal Open, revealed that in today’s marketplace, where artificial intelligence agents can search, compare, negotiate and buy on behalf of users, the defining competitive advantage may no longer be persuasion. It may be friction reduction.

Every unnecessary click, login, delay or uncertainty weakens a company’s position in an increasingly machine-driven marketplace. As generative AI systems evolve from passive recommendation engines into active commercial agents, the economics of competition are shifting away from visibility and toward execution.

In an AI-mediated economy, friction becomes not just a usability issue but a strategic liability.

Why Checkout Is Becoming AI Infrastructure

When AI agents mediate purchasing decisions, visibility matters less than compatibility. Systems optimized for machine-readable pricing, seamless payments, interoperable APIs and low-friction checkout experiences gain structural advantages over businesses still dependent on human patience and manual navigation.

The question is no longer simply whether consumers like a buying experience. Increasingly, it is whether AI systems can complete it efficiently. As digital commerce becomes automated, checkout is evolving into infrastructure. It is becoming the connective layer between intent and fulfillment, with implications extending beyond payment processing.

An AI purchasing assistant comparing two merchants may favor the one with fewer authentication barriers, standardized payment credentials and more predictable fulfillment systems, even when price differences are marginal. Every additional prompt, redirect or verification request introduces computational and experiential friction that can influence machine-driven decision-making.

The businesses leading this transition are reframing checkout as an ongoing customer loop rather than a terminal event. According to the PYMNTS Intelligence research, merchants are increasingly focused on reducing authentication burdens, accelerating payment authorization and integrating loyalty mechanisms directly into transaction flows to minimize abandonment and improve repeat engagement.

The report found that 84% of global shoppers said one-click checkout is an important factor when choosing where to shop, and 94% are highly interested in at least one innovation related to smoother checkouts and payments. The goal is not merely faster payments, but lower cumulative friction across the entire purchasing relationship.

Read the report: The Next-Gen Commerce Playbook: Turning Checkout Into a Compounding Customer Loop

Friction Has a New Economic Cost

Businesses have always understood friction in broad terms. Long wait times, cumbersome interfaces and excessive form fields reduced conversions. But the cost of friction was often absorbed by consumers willing to tolerate inconvenience in exchange for price, brand preference or habit. AI systems change that equation because they behave differently from humans.

Consumers may still care deeply about trust, quality and reputation. But AI systems acting on their behalf will prioritize structured data, fulfillment accuracy, delivery consistency and transactional efficiency. Emotional resonance alone may not secure selection in automated marketplaces.

The strongest businesses may therefore resemble infrastructure providers as much as marketers. Their competitive advantage will derive from systems capable of supporting seamless machine-to-machine commerce at scale. Consumers may not consciously choose the companies that remove the most friction from commercial interactions every time, but these companies may increasingly dominate if intelligent systems consistently prefer them.

In an economy increasingly powered by intelligent agents, the businesses that win may not be those best at convincing customers to buy. They may be those best at making it effortless for AI to say yes.

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At PYMNTS Intelligence, we work with businesses to uncover insights that fuel intelligent, data-driven discussions on changing customer expectations, a more connected economy and the strategic shifts necessary to achieve outcomes. With rigorous research methodologies and unwavering commitment to objective quality, we offer trusted data to grow your business. As our partner, you’ll have access to our diverse team of PhDs, researchers, data analysts, number crunchers, subject matter veterans and editorial experts.