Monica Eaton, CEO of Chargebacks911, was recently featured in PYMNTS discussing how the rapid rise of agentic commerce is creating new challenges for merchants and fraud prevention systems. The article explores how legitimate AI shopping agents are increasingly being mistaken for malicious bots, leading to false declines that can cost merchants significant revenue.
The piece examines how autonomous AI agents are beginning to play a larger role in ecommerce by searching for products, comparing pricing, and completing purchases on behalf of consumers. While this evolution promises convenience and efficiency, it also disrupts traditional fraud detection systems that were designed around human shopping behavior and conventional authentication signals.
“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,” Monica said in the article.
According to the report, many existing fraud prevention tools rely on behavioral cues such as typing cadence, click patterns, and device interaction data to determine whether a transaction is legitimate. AI-driven purchases can bypass or alter those signals entirely, making it difficult for merchants to distinguish between valid autonomous transactions and malicious automated activity. Chargebacks911’s platforms, including UDMS and ResolveLab, are designed to help merchants capture clearer consent trails and evidence architecture for these emerging transaction types.
“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 added, emphasizing that the next phase of ecommerce will require fraud systems built specifically for machine-initiated commerce.
