AI Payment

AI agent chargebacks are card disputes raised against purchases an autonomous AI agent placed on a consumer’s behalf. Merchants absorb the loss in almost every configuration live today, and four mechanisms stack to produce that outcome. The merchant stays the merchant of record. OpenAI’s Delegated Payment Spec states that OpenAI is not the merchant of […]...

AI software can now use digital money to pay for web searches or computer data in under a second without needing a human to type in a credit card or set up an account. Traditional credit card companies charge around 30 cents per purchase, which is too expensive when a bot only wants to buy […]...

A programmable wallet is a wallet whose spending rules are enforced in code at the signing layer, not by the software asking for the money. The agent cannot talk its way past a limit it does not control. The core controls are per-transaction caps, rolling session and period caps, counterparty allowlists, contract and function scoping, […]...

OpenAI launched Instant Checkout on 29 September 2025 and pulled it on 4 March 2026, taking ACP’s only consumer deployment with it. Roughly a dozen Shopify merchants had gone live, and the product never supported multi-item carts, promotional codes, or state sales tax remittance. The comparison nobody was running is the one that decided the […]...