Can agentic commerce make in-store payments unsafe?

Visa is rolling out new security measures to protect in-store transactions from 'agentic AI' risks. As consumers begin using AI assistants to automate purchases, the risk of sophisticated fraud increases. For retailers, this means the technology you use to swipe or dip cards needs to be smarter to tell the difference between a real customer and a malicious script. By partnering with Bluefin, Visa is integrating point-to-point encryption (P2PE) with AI-driven threat detection. This is designed to shield your store’s payment terminals from malware that tries to scrape data during the checkout process. For operators, the shift toward agentic commerce—where AI acts on behalf of a human—could change how you verify identity at the register. While these tools are currently focused on high-level cybersecurity, they will eventually dictate how you accept mobile wallets and autonomous payment apps. Staying updated on these standards is crucial to avoiding liability shifts. If your hardware is outdated, you may be more vulnerable to these new AI-powered breaches that traditional firewalls can't catch. These updates help ensure that as payment methods evolve, your store's 'card present' environment remains a safe zone for high-ticket financing and routine sales alike.

Source: American Banker — Top News

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