Chargebacks911 offers merchants indemnity against chargebacks on purchases made by AI agents

Dispute management company Chargebacks911 has launched a service that covers merchants against chargebacks on purchases made by AI shopping agents. It was announced on 26 October 2026. The service identifies transactions in which an agent acted for a consumer, assesses them and indemnifies the merchant against qualifying chargebacks on those orders. Chargebacks911 says it uses its own AI models, behavioural signals and dispute history to recognise agent purchases and decide which are eligible. It runs as an add-on alongside the merchant's existing fraud screening and payment set-up, so no checkout or fraud provider changes are needed. Pricing, coverage limits, eligible sectors and markets have not been disclosed. The launch addresses an open question in agentic commerce: who bears the loss when a cardholder disputes a purchase that an agent made with their authorisation. Card networks are building their own frameworks, such as Visa's Trusted Agent Protocol and Mastercard's Agent Pay. However, the rules on authorisation and liability for agent-made purchases are still taking shape, and merchants carry the risk of friendly fraud and 'I did not mean to buy this' disputes in the meantime. The announcement comes as dispute patterns shift. A separate report published on 27 October by the chargeback firm Justt found that service complaints, such as items not received or subscriptions customers thought were cancelled, made up a growing share of contested chargebacks. For merchants opening their stores to agents, cover of this kind is one option alongside tighter order confirmation and clearer cancellation journeys.