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Make Trust Pay: Why trust, not speed, is now the real driver of online conversion. Download the report
The missing layer in agentic commerce
Today's payment systems were designed for a simple relationship:
Legacy model
Consumer
Merchant
Agentic commerce introduces a new participant:
Agentic model
Consumer
AI Agent
Merchant
That poses new questions for merchants, issuers, and payment networks:
What authority was given?
Did the AI act within those boundaries?
Who is responsible if a transaction is disputed?
Overview
Supporting delegated authority with CPoI®
Card Present over Internet® (CPoI®) provides categoric cardholder authentication that enables trusted delegated authority for AI-powered commerce.
Before an AI agent is authorised to make purchases, the consumer securely authenticates themselves using CPoI®. This card present authentication establishes categoric proof of identity, giving AI platforms and payment providers a trusted foundation on which delegated authority can be established.
Every purchase can then be assessed against the approved parameters, helping create confidence and accountabiity across the payments ecosystem.
From autonomous actions to accountable transactions
CPoI® provides accountability and protection across the payments ecosystem.
Consumers
Can confidently delegate authority to trusted AI agents
AI providers
Can demonstrate agents acted within approved parameters
Merchants
Receive evidence that purchases were authorised
Issuers
Gain a framework for dispute resolution and liability allocation
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