在结账之前：为什么支付服务提供商应为商家和客户提供代理商务的信任度

Before they check outBefore they check out Why payment service providers shoulddeliver trust in agentic commercefor merchants and customersWhy payment service providers shoulddeliver trust in agentic commercefor merchants and customers Table of ContentsTable of Contents Executive summary3Consumers understand AI. They’re less ready to hand over control5Agents are attractive — but trust is limited7Everyday purchases first. Big-ticket decisions stay personal9What needs to change: approval, limits and recoverability11Accessibility must be built in from the start14Agent-ready checkout needs more than APIs15What it means for merchants16Why PSPs should become agentic commerce’s trust layer17Where PSPs will form the trust layer18A phased approach builds trust195 key takeaways / About Ecommpay20Executive summary3Consumers understand Al. They're less ready to hand over control5Agents are attractive - but trust is limited7Everyday purchases first. Big-ticket decisions stay personal6What needs to change: approval, limits and recoverability11Accessibility must be built infromthe start14Agent-ready checkout needs more than APls15What it means for merchants16Why PsPs should become agentic commerce's trust layer17Where PSPs will form the trust layer18A phased approach builds trust195 key takeaways / About Ecommpay20 Executive summaryExecutive summary Industry hype around agentic commerce keeps growing, with recent projections suggesting agentscould handle up to $5 trillion in global transaction value by 20301 — larger than Germany’s entireGDP. Cutting through the noise, Ecommpay has undertaken new merchant and consumer researchon agentic commerce, bringing both voices together for the first time anywhere. could handle up to $5 trillion in global transaction value by 20301-larger than Germany's entireGDP. Cutting through the noise, Ecommpay has undertaken new merchant and consumer researchon agentic commerce, bringing both voices together for the first time anywhere. Our research shows a significant gap between the promise of agentic commerce and consumerreadiness, particularly when agents move from helping people search and compare to checking outand paying on their behalf.and paying on their behalf. Consumers are comfortable with AI for search —but not yet for purchasingConsumers are comfortable with Al for search -but not yet for purchasing have engaged with AI forsearchhave engaged with Al forsearch of European consumersunderstand what an AI agent isof European consumersunderstand what an Alagent is wouldn’t trust an agent withtheir card detailswouldn't trust an agent withtheir card details want agents to completepurchases for themwantagentsto completepurchases for them Merchants show strong interest in agentic commerce,but remain cautious about implementation. Keyquestions are still unresolved, from regulation andauthentication to how chargebacks, disputes, andliability will be managed if an agentic transactiongoes wrong. Merchants show strong interest in agentic commerce,butremaincautiousaboutimplementation.Keyquestions are still unresolved, from regulation andauthentication to how chargebacks, disputes,andliability will be managed if an agentic transactiongoes wrong. The main challenges in agenticare risk and compliance, followedby brand reputation — which canbe harmed way easier inagentic’s current state than in anold-school payments flow.The main challenges in agenticare risk and compliance, followedby brand reputation - which canbe harmed way easier inagentic's current state than in anold-school payments flow. This report examines the steps merchants can take nowto prepare checkout for agentic commerce. More thanany single technical development, our research suggestsadoption will depend on trust: clear authority, visiblecontrols, secure payment flows and reliable fallbackroutes. We also argue that payment service providers(PSPs) are well placed to deliver this trust layer,supporting identity proofing, transaction mandates,authentication, fraud prevention,and dispute management.This report examines the steps merchants can take nowto prepare checkout for agentic commerce. More thanany single technical development, our research suggestsadoptionwill depend ontrust:clearauthority,visiblecontrols, secure paymentflows and reliable fallbackroutes.Wealsoarguethatpayment serviceproviders(PsPs) are well placed to deliver this trust layer,supporting identity proofing, transaction mandates,authentication, fraud prevention,anddisputemanagement. Kestas SaulisHead of Payments at Nord SecurityKestasSaulisHead of Payments at Nord Security Ecommpay surveyed more than 1,750 consumers acrossthe UK, France, Germany, Spain, and Italy, alongside in-depth interviews with 16 top-tier merchants andintermediaries from leading brands such as TUI,Volkswagen, Tipico and Würth. Ecommpay surveyed morethan1,750 consumers acrossthe Uk, France, Germany, Spain, and Italy, alongside in-depth interviews with 16 top-tier merchants andint