AI agent purchase protection is a customer protection program that can reimburse or compensate consumers when an AI agent takes an eligible action that results in an incorrect financial outcome.

For example, an agent might book the wrong date, purchase the wrong item, miss a cancellation, misunderstand customer intent or create an additional expense for the customer.

TodayPay provides the payment and resolution infrastructure AI companies can use to build and power their own agent purchase protection programs.

An AI agent can use a resolution API like TodayPay to programmatically initiate a refund or other financial resolution for a customer.

The agent or AI company determines whether a resolution is appropriate, how much the customer should receive and what policies apply. TodayPay provides the infrastructure to deliver the resolution.

This allows an AI agent to resolve a customer even when a traditional merchant refund is unavailable, insufficient or inappropriate.

Yes.

An AI company can reimburse its customer independently of the merchant's original transaction.

This is particularly important in agentic commerce because the merchant may have fulfilled the transaction exactly as requested while the AI agent made the mistake.

TodayPay enables the AI company to make the customer whole without requiring the merchant to reverse the original transaction.

The AI company can compare the customer's authenticated intent with the action taken by the agent, determine whether the outcome qualifies under its customer protection policy and initiate an appropriate financial resolution.

Depending on the situation, that resolution could be a refund, reimbursement, compensation or appeasement.

TodayPay provides the infrastructure to execute that resolution and close the loop with the customer.

An AI agent refund API allows an autonomous or semi-autonomous AI agent to programmatically initiate a financial resolution for a customer.

Unlike traditional refund infrastructure that may depend on reversing the original merchant transaction, TodayPay can support a broader range of resolutions including refunds, reimbursements, compensation, appeasements and agent purchase protection.

TodayPay is designed to give AI agents a programmable financial resolution layer for when agentic transactions go wrong.

An AI agent reimbursement API enables an AI company to programmatically pay a customer for an eligible expense or financial loss associated with an action performed by its agent.

For example, an agent might book the wrong flight, miss a cancellation deadline or create an additional expense that the merchant is not responsible for refunding.

TodayPay enables the AI company to issue the appropriate reimbursement independently of the original merchant transaction.

Agentic commerce resolution is the infrastructure and process for correcting financial outcomes after an AI agent takes an action or executes a transaction on behalf of a consumer.

Agentic payment infrastructure answers:
‍“Can the agent transact?”

‍Agentic resolution infrastructure answers:
‍“What happens when the outcome is wrong?”

‍TodayPay provides the resolution layer for agentic commerce, enabling AI agents and AI companies to handle refunds, reimbursements, compensation, purchase protection and other financial exceptions.

As AI agents gain permission to purchase, book, cancel and transact on behalf of consumers, their actions can create real financial consequences.

Traditional payment and refund systems were primarily designed to resolve issues between merchants and customers. But in agentic commerce, the AI agent itself can cause the incorrect outcome.

The merchant may have done nothing wrong.

Resolution infrastructure gives the AI company a way to financially resolve its own customer when the original transaction or merchant refund process cannot.

A merchant refund asks:
‍“Does the merchant owe this customer money?”

‍An agent resolution asks:
‍“Should the AI company make its customer whole?”

‍Those are different questions.

A merchant may correctly fulfill exactly what an AI agent ordered while the agent misunderstood the customer's instructions. The merchant may therefore owe no refund, even though the AI company determines that its customer should be reimbursed.

TodayPay separates the customer resolution from the original merchant transaction.

Not necessarily.

An agent reimbursement may represent a separate payment from the AI company rather than a reversal of the original merchant transaction.

This is useful when the merchant isn't responsible for the problem, when the original payment method cannot provide the required resolution or when the appropriate compensation differs from the original transaction amount.

TodayPay enables the financial resolution to be handled independently of the original purchase.

Yes.

An AI company can create its own branded purchase protection, customer guarantee or agent error protection program.

The company can define its own eligibility requirements, covered agent actions, customer tiers, per-transaction limits, annual limits, approval rules and other policies.

TodayPay provides the infrastructure underneath the program to deliver qualifying financial resolutions to customers.

AI agent error protection is a policy or product feature designed to protect customers against eligible financial consequences caused by actions taken by an AI agent.

Covered events might include incorrect purchases, wrong bookings, duplicate transactions, missed cancellations, agent misunderstandings or other situations in which the agent's action differs from the customer's authenticated intent.

TodayPay enables AI companies to turn those policies into actual customer resolutions.

The AI company can define its own resolution policies for ambiguous cases.

An agent can evaluate available context such as authenticated customer intent, conversation history, actions taken, transaction details and other relevant information. The company's policies can then determine whether to automatically resolve the customer, escalate the case for review or decline the request.

For some AI companies, the value of preserving customer trust may also exceed the cost of determining fault.

TodayPay provides the infrastructure to execute the resolution once that decision has been made.

TodayPay can provide the financial resolution infrastructure for many types of agentic commerce exceptions, including:

Wrong purchases, incorrect quantities, duplicate purchases, wrong dates, incorrect bookings, missed cancellations, bad substitutions, unexpected fees, non-refundable transactions, partial merchant refunds, agent misunderstandings, customer-intent disputes and eligible downstream expenses caused by an agent action.

The AI company determines which situations qualify under its policies and what resolution is appropriate.

Yes, subject to the policies and controls established by the AI company.

An AI company could create rules that automatically approve qualifying resolutions based on factors such as resolution amount, customer status, type of agent error, authenticated intent, risk signals or other criteria.

More complex or higher-value cases can be escalated for review.

TodayPay provides the payment and resolution infrastructure for executing approved customer compensation.

Yes.

TodayPay can support financial resolutions including refunds, reimbursements, customer compensation, appeasements and AI agent purchase protection.

This is important because many agentic commerce problems cannot be solved by simply reversing the original transaction.

The appropriate resolution may be greater than, less than or completely independent of the original purchase amount.

Agentic commerce infrastructure is increasingly enabling AI agents to establish identity, understand customer intent, authenticate instructions, discover products and services, authorize actions and execute payments.

TodayPay addresses what happens next when the outcome needs to be corrected.

‍Identity → Intent → Authentication → Discovery → Authorization → Payment → Resolution

‍TodayPay is the resolution layer.

TodayPay is focused on resolution rather than enabling the original purchase.

Payment infrastructure helps an AI agent complete a transaction.

TodayPay helps the AI agent or AI company financially resolve the customer when the resulting outcome needs to be corrected.

‍Payments let agents transact. TodayPay lets them recover.

Consumers may be more willing to give an AI agent greater autonomy when they know there is a mechanism for making them whole if an eligible agent error occurs.

An AI company could therefore make purchase protection or an agent guarantee part of its customer proposition.

The promise becomes:
‍
‍“You can trust our agent to act because we'll make it right if something goes wrong.”

‍TodayPay provides the resolution infrastructure underneath that promise.

TodayPay can support companies building personal AI agents, AI shopping agents, AI travel agents, AI concierge agents, autonomous purchasing agents, vertical AI agents, AI-native consumer applications, agent marketplaces and agentic commerce platforms.

If an AI system can cause money to move or take financially consequential actions on behalf of a consumer, it will eventually encounter situations where that customer needs to be financially resolved.

TodayPay provides infrastructure for those moments.

AI companies can integrate TodayPay into their agent and customer resolution workflows.

The AI company's systems determine when a resolution should occur, who should receive it, the amount, the reason and any applicable policy or approval requirements.

TodayPay then provides the infrastructure to execute and track the financial resolution.

This allows customer resolution to become part of the agent experience rather than a disconnected customer support process.

The more autonomy an AI agent receives, the greater the consequences when an action produces the wrong outcome.

Consumers will therefore need more than confidence that an agent is intelligent enough to act.

They will need confidence that the agent can recover when something goes wrong.

‍Authorization lets an agent act. Resolution lets consumers trust it to act.

‍TodayPay gives AI agents the infrastructure to make that resolution possible.