Agentic Commerce
AI agents are beginning to search, compare and transact on behalf of users. The opportunity is significant, but the existing payments rulebook was not designed for autonomous or semi-autonomous purchasing journeys — raising difficult questions about mandate, consent, authentication, liability, fraud and evidence.
We help payment companies, merchants and technology providers design agentic commerce models that are innovative, commercially workable and compatible with EU payments regulation.
What we do
- Design and regulatory assessment of agentic commerce models under PSD2 and the forthcoming PSD3 and PSR.
- Strong customer authentication, exemptions, dynamic linking, delegated actions and the use of payment credentials by AI agents.
- Allocation of roles and responsibilities among users, merchants, platforms, AI providers, payment service providers and schemes.
- Consent flows, terms and conditions, customer disclosures, audit trails and evidence of authorisation.
- Fraud, unauthorised transactions, liability allocation and dispute-handling models.
- Strategic positioning and engagement with EU and national authorities as the regulatory framework develops.
Key instruments
PSD2 · forthcoming PSD3 and PSR · SCA regulatory technical standards · AI Act (selected aspects) · consumer and data-protection interfaces
Related insights
Agentic Commerce and SCA Compliance
The Agentic Commerce Opportunity and its Regulatory Compliance
SCA on the acceptance side under PSD3/PSR: analysis of the final compromise texts
The Agentic Commerce Opportunity and its Regulatory Compliance
SCA on the acceptance side under PSD3/PSR: analysis of the final compromise texts
View all Agentic Commerce insights