Fraudology Podcast with Karisse Hendrick Beyond the Hype: Agentic AI, VAMP Ratios, and Post-MRC Realities
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Mar 24, 2026 A post-conference debrief on the real-world impact of agentic AI in commerce. Demos show detection techniques like mouse-less field fills and debate whether agentic checkouts are overhyped. Coverage of payment protocol shifts, VAMP threshold changes, and faster dispute timelines that could surprise merchants. Real chargeback cases reveal evidence gaps when AI authorizes purchases.
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Detecting Agentic Orders With Invisible UX Signals
- Agentic AI orders can be detected by invisible UX signals like fields filling without mouse movement.
- Sardine demo shows scoring agentic behavior by comparing keystroke/field fills to mouse movement to flag agentic commerce.
Why Instant Checkout Was Shelved
- OpenAI shelved native Instant Checkout after integration, data, and liability problems.
- Merchants and brands prefer rerouting to merchant sites/apps to retain pre-auth behavior, product data, and avoid chargeback liability.
Pause Settlement For Agentic Orders Until Confirmed
- Treat agentic commerce as a separate risk vector and plan pre-auth/control flows.
- Consider authorizing but not settling orders, then emailing the account holder to confirm before capture, though Visa hasn't accepted this as compelling evidence yet.