When an AI agent buys, prove it was authorized.
Agent-driven purchases dispute at a far higher rate than human checkout, and the dominant reason is “I did not authorize this.” The merchant of record eats the chargeback. CertNode binds the agent mandate, cart, and receipt into one cryptographically signed, court-admissible evidence package — so you can actually win those disputes.
The new liability in agentic commerce
The payment rails (Stripe Agentic Commerce Protocol, AP2, Mastercard Verifiable Intent) create the agent mandate. None of them defend the merchant when that mandate is later disputed.
Higher dispute rates
A cardholder who did not personally click checkout is more likely to disclaim the charge. “Did-not-authorize” disputes are the dominant category in agent-driven purchases.
The merchant carries the loss
As merchant of record you bear the chargeback — even when an authorized agent acted exactly as instructed. The proof that it was authorized is what wins the dispute.
Cross-protocol, one package
Mandates live in different protocols. CertNode captures the mandate, the cart it authorized, and the receipt into a single signed, independently timestamped package — portable across Stripe, Mastercard, and PayPal.
Court-admissible by construction
Each receipt is signed (ES256), independently timestamped (RFC 3161), and Bitcoin-anchored — built to the FRE 902(13)/(14) self-authenticating standard, so the authorization record holds up when it is challenged.
Ride the wave with your defense ready.
This is CertNode Reflex applied to agent purchases — 15% only on wins, $0 otherwise, no monthly fee.
Talk to us