The Agentic Commerce Checklist Every Merchant Needs Now

Most merchants have prepared for every kind of customer except the one arriving now. AI agents do not browse, do not click, and do not read product descriptions written for humans. They query, evaluate and transact in seconds. Merchants whose infrastructure is not built to receive them are not losing sales to a better price. They are losing sales before the agent ever decides to compare.

Visa reported that nearly half of U.S. shoppers now use AI tools for at least one shopping task and predicted that millions will use AI agents to complete purchases by the 2026 holiday season. The Prompt Economy is moving from discovery to execution. Three items define whether a merchant is ready to participate in it.

Get Your Product Data Machine-Ready

An AI agent does not browse. It queries. It sends a structured request, reads a structured response and either transacts or moves to the next merchant.

Product pages built for human eyes are largely invisible to agents operating at speed. Titles written for SEO, descriptions layered with marketing language, images optimized for display: none of that translates to the machine-readable format an agent needs to compare price, availability, delivery window and return policy in a single pass.

The IMF noted in its April 2026 paper on agentic payments that AI agents reduce transactional friction by autonomously managing the purchase process, from product search and price comparison to discount application and availability verification. That efficiency only activates for merchants whose catalog data is structured, real-time and normalized.

Merchants who have already built clean data pipelines for Google Shopping or affiliate channels are closest to ready. Those who have not are invisible to agents making purchase decisions today. The first step is an audit of what agent traffic is already hitting the site and which endpoints it is targeting.

Wire In Authorization Before the Agents Arrive

When an AI agent completes a purchase on a consumer’s behalf, the traditional chain of authorization breaks. There was no human at checkout. There was no moment where a real person confirmed the cart and clicked buy.

That gap matters for disputes, chargebacks, fraud liability and regulatory review. Mastercard said its Verifiable Intent framework confirms the cardholder authorizing the AI agent, captures the consumer’s specific instructions, and records the interaction between agent and merchant resulting in a purchase, giving all parties a clear audit trail to resolve disputes quickly.

Accepting the payment is not enough. The merchant needs a record that survives scrutiny: what the agent was authorized to do, what it actually did, and whether those two things matched. Mastercard added that its Agent Pay Acceptance Framework enables merchant participation without demanding significant development or integration, establishing a consistent standard for agent verification and data exchange.

Merchants who cannot produce that record when a chargeback is filed are exposed in ways that have nothing to do with fraud and everything to do with infrastructure debt.

Register With the Networks or Risk Being Skipped

Both major card networks have built frameworks to let merchants participate in agentic commerce without a full integration rebuild. The IMF found that Visa’s Intelligent Commerce and Mastercard’s Agent Suite center on Know Your Agent frameworks, providing the registration, cryptographic signatures, and network tokens required to distinguish legitimate agents from malicious bots.

A merchant that has not registered is transacting in a gray zone. Agents cannot verify whether the merchant is legitimate. The network cannot apply its fraud controls. The agent’s default response to that ambiguity is not to try harder. It is to route to a merchant that has already done the work.

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