AI agents are beginning to do more than recommend products. Increasingly, they can search for products, compare prices, and complete purchases on a consumer’s behalf—a model often called “agentic commerce.” For companies offering subscriptions and other automatically renewing products, this raises new issues when AI agents, rather than consumers, sign up for the subscription.
Existing automatic renewal laws assume that a consumer will interact directly with a merchant’s website or app, review the renewal disclosures, and agree to the renewal terms. Agentic commerce, by contrast, involves AI agents acting on a consumer’s behalf to search for, evaluate, and purchase goods or services, often without a human ever seeing those terms. For example: a consumer could instruct an agent to “find a streaming service with live sports for under $20 a month and sign me up.’”
Payment networks and technology companies are already building infrastructure for these transactions and have developed tools that allow consumers to authorize agents to make purchases within set parameters, such as spending limits and authorization rules.
These tools are designed in part to help merchants confirm that an AI agent has authority to make a purchase.
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