
Agentic Payments Expose Liability Gap as Card Network Rules Lag Behind AI Automation
AI agents are completing purchases autonomously using stored credentials, but card network dispute and chargeback frameworks were written for human-authorised transactions — leaving liability for agent-initiated payments legally unresolved. Legal commentary from Goodwin Procter and Astraea Counsel confirms no clear rule yet determines who bears the loss when an AI tool acts beyond its mandate.










