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.

Related episodes across the Index

Other episodes covering the same guests and topics, from across The B2B Podcast Index.

• Athos Commerce CMO Gary Lombardo on why only 14% of shoppers see one consistent brandThe Agile Brand with Greg Kihlström® · on Agentic commerce80 / 100
• Payments Brief: Sep 19, 2026Payments Brief · on Agentic commerce56 / 100
• Venture banking 3.0: How Stifel is rebuilding trust after Silicon Valley BankTearsheet Podcast: Exploring Financial Services Together · on fintech
• EP1035: The need to balance fraud prevention and customer experienceIBS Intelligence Global FinTech Interviews · on payments

• The Trust Advantage with Andie Hill, Payroc | Episode 52873 / 100
• Building the Trust Layer for Payments with Noam Izhaki, CEO of Ballerine | Episode 51373 / 100
• Embedded Finance Special Series: Embedded Accounting, the Next Big Fintech Product with Justin Meretab, Layer | Episode 527
• Embedded Finance: From Hype to Execution with Jane Podbelskaya, Charge Forward | Episode 526
• Verified Authority for Payments with Jeremy Blackburn, ChainIT | Episode 525