AI SHOPPING ASSISTANTS TRIGGER PAYMENT DISPUTE SURGE

According to Carlo Bruno, vice president of product at payments processor Adyen, the surge in chargebacks and refund requests signals a fundamental challenge for AI-driven shopping systems. The technology struggles with transaction accuracy and customer satisfaction—core requirements for payment processing. Bruno noted that agentic commerce lacks a proven large-scale deployment model. Rather than a sudden industry shift, the transition will likely be gradual as companies work through operational and financial hurdles. Payment processors and retailers face a critical problem: higher dispute rates increase costs and erode profit margins. Until AI systems demonstrate consistent reliability in purchase decisions, refund policies, and customer communication, widespread adoption remains risky. The challenge extends beyond technology to risk management. Companies must establish clear protocols for handling AI-generated transactions and develop safeguards that protect both merchants and consumers from costly errors.