For merchants
Let AI agents buy, without inheriting the fraud.
AI agents are already checking out on behalf of your customers. LoginID turns every anonymous agent into a known, verified customer with a signed spend mandate, so you get full attribution and chargeback-resistant authorization with minimal backend changes.
{"agent": "known_customer","human_verified": true,"mandate": "signed","max_transaction": "50.00","currency": "USD","chargeback_liability": "shifted","result": "authorized"}
What does agent-driven commerce mean for merchants?
When an AI agent transacts on a customer's behalf, most merchants see an anonymous session: no attribution to a real person, full fraud and chargeback exposure, and no consent trail to defend a dispute. LoginID sits in front of the purchase and verifies the human behind the agent with a passkey, binds a scoped, signed spend mandate to the intent, and hands you a cryptographic record of who approved what, for how much. The stranger becomes a known, accountable customer before any money moves.
The three costs of anonymous agent traffic.
Agent checkout is growing faster than the tooling to govern it. Here is what it costs merchants today, and how verification closes each gap.
No attribution to a real customer
Agent sessions land as anonymous traffic you can't tie to a person, so you lose lifetime-value tracking, loyalty attribution, and the ability to recover a known customer after a dispute. Passkey verification restores 100% human-to-agent attribution.
Full fraud and chargeback liability
Without strong customer authentication, agent purchases inherit the same fraud exposure as an unauthenticated card-not-present transaction. A signed, SCA-backed mandate shifts liability and makes purchases chargeback-resistant.
No consent trail to win disputes
When a charge is contested, you need proof the customer approved it. LoginID attaches a cryptographically signed mandate to every transaction, giving you non-repudiable evidence of who authorized the purchase, the amount, and the merchant.
Verified agent checkout vs. the status quo.
How LoginID compares to accepting anonymous agent traffic or building agent identity in-house.
| Anonymous agent traffic | DIY in-house | LoginID | |
|---|---|---|---|
| Human-to-agent attribution | No | Partial | Yes |
| Chargeback-resistant authorization | No | Partial | Yes |
| Signed consent trail for disputes | No | No | Yes |
| Per-transaction spend guardrails | No | Manual | Yes |
| FIDO2-certified passkey auth | No | No | Yes |
| Time to production | N/A | Quarters | Days |
One platform, four controls over every agent purchase.
Authentication
Verify the real human behind the agent with FIDO2 passkeys before checkout, so every agent session maps to a known customer.
Authorization
Bind a scoped, signed spend mandate to each purchase: per-transaction limits, approved merchants, and non-repudiable consent.
Verification
Confirm age, identity, or humanity where regulation or risk requires it, without adding friction for the customer.
Payment
Issue single-use, intent-bound payment tokens over Visa, Mastercard, and Stripe rails so agents transact without holding raw credentials.
How verified agent checkout works.
- 01
Verify the human
The customer approves the purchase with a passkey tap, verifying the human behind the agent and satisfying SCA up front.
- 02
Sign the mandate
LoginID binds a scoped spend mandate to the intent, setting the amount, merchant, and limits the agent is allowed to transact within.
- 03
Authorize and record
The agent completes checkout and a signed record captures who approved it, for how much, and where, giving you a defensible trail.
For your shoppers
Customers get one-tap control over every agent purchase: clear amounts, clear merchants, and no shared card credentials, so agent commerce feels safe instead of risky.
Learn more- Approve with a passkey
- See every agent charge
- No stored card credentials
Frequently asked questions
- How do merchants prevent chargebacks on AI-agent purchases?
- By requiring strong customer authentication before checkout and binding a signed spend mandate to each purchase. The passkey approval satisfies SCA and the signed mandate provides non-repudiable proof of consent, which shifts liability and makes agent transactions chargeback-resistant.
- What is a payment mandate?
- A payment mandate is a scoped, cryptographically signed authorization that binds a purchase to a specific amount, merchant, and intent, approved by the verified human behind the agent. It defines exactly what the agent is allowed to transact and creates an auditable consent record.
- How do we get attribution for anonymous agent traffic?
- LoginID verifies the human behind each agent with a FIDO2 passkey, so every agent session maps to a known customer. This restores full human-to-agent attribution for loyalty, lifetime value, and known-customer recovery after a dispute.
- How much backend work does it take to add?
- Minimal. LoginID is designed to sit in front of your existing checkout with a single integration, so most merchants ship verified agent checkout in days rather than quarters, without re-architecting payments.
- Is LoginID certified and secure?
- Yes. LoginID is FIDO2 certified and backed by Visa, using phishing-resistant passkey authentication and signed mandates so agent commerce meets the same security bar as your strongest customer authentication flows.
Turn agent traffic into known customers.
Open the door to AI-agent checkout on your terms, with a verified human and a signed mandate behind every transaction. Ship it with a single integration.