Agentic Commerce Explained with Sanjay Saraf, SVP & Global Chief Product Officer for Merchant Solutions at Fiserv | Episode 477

Episode notes

The moment AI agents can buy things for us, payments stop being a simple “click to pay” problem and become a trust problem. Greg Myers sits down with Sanjay Saraf, SVP and Global Chief Product Officer for Merchant Solutions at Fiserv , to map out what agentic commerce really means for merchants, ISVs, and the broader payments industry as software moves from assisting the shopper to acting for the shopper. We break down the simplest definition: customers set intent and rules, then an AI agent handles discovery, decisioning, and transaction execution. That shift challenges infrastructure built on the assumption that a human is present for authentication, authorization, and confirmation. Sanjay explains why the biggest change is the trust layer and how dispute resolution, refunds, and chargebacks must evolve when an autonomous agent initiates the purchase. We also dig into the emerging network frameworks shaping agentic payments, including Visa’s Trusted Agent Protocol and Mastercard’s Agent Pay Acceptance Framework. One emphasizes whether the agent is authorized to act, while the other emphasizes proving customer intent with a traceable record.

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