{
  "slug": "agentic-checkout-human-mandate",
  "title": "The token proves the agent may pay. It does not prove you agreed.",
  "summary": "Visa and Mastercard agentic tokens prove which agent holds a card credential. They do not prove a human agreed. Here is the artifact that would.",
  "lede": "Agentic payment tokens answer the merchant's question, which is: which agent is this, and may it use this card. They leave the issuer's question and the customer's question exactly where they were, which is: did a human actually agree to this. That gap is where the coming dispute wave lives.",
  "date": "2026-09-14",
  "reading_time": "18 min read",
  "category": "Payments",
  "tags": ["agentic commerce", "agent payments", "chargebacks", "AP2", "Visa Intelligent Commerce", "Mastercard Agent Pay", "payment authorization"],
  "image": "https://cdn.twc.sh/images/igcache/Agentic%20Checkout%20Mandate/1200_630/blog.jpg",
  "url": "/blog/agentic-checkout-human-mandate.html",
  "wordcount": 4271,
  "related": ["ap2-human-presence-gap", "agent-chargeback-liability", "friendly-fraud-receipts"],
  "schema": "Article"
}