Fiserv Says Agentic Payments Require Two-Layer Credentials
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On October 21, 2026, a Fiserv executive said that AI-driven agentic commerce is prompting digital merchants to reassess whether their existing payments and commerce technology stacks are suitable for shopping agents in the future. Currently, most transactions are still confirmed and authorized by people, with agentic commerce mainly operating as a new transaction channel. The executive said that if agents are able to complete transactions autonomously in the future, the payment process may need to separately verify the user's intent and the specific payment information, forming a two-layer verification approach. The report also mentioned that agentic payments could drive global consumer commerce transaction volumes to reach $3 trillion to $5 trillion by 2030.
AI-written from reports · updated 3 hours ago
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- Payments DiveFiserv Executive Discusses AI-Driven Restructuring of Retail Payments
A Fiserv executive said agentic commerce is prompting digital merchants to assess whether their existing payments and commerce technology stacks are suitable for shopping agents in the future. At present, most transactions are still confirmed and authorized by people, with agentic commerce operating mainly as a new channel; if agents transact autonomously in the future, payment processes may need to separately verify user intent and specific payment information. The article also notes that agentic payments could drive $3 trillion to $5 trillion in global consumer commerce transactions by 2030.
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