Mastercard Warns Manual Dispute Workflows Hinder Real-Time Agentic Commerce Scaling
Mastercard warns that its payment network supports real-time agentic commerce transactions but its dispute-resolution workflows remain largely manual, causing friction in chargeback and fraud cases. The company plans to develop automated dispute-management tools to streamline merchant and consumer resolution.
1. Payments Infrastructure vs. Dispute Workflows
Mastercard’s payment rails are fully capable of handling real-time, agent-driven transactions, enabling seamless commerce interactions. However, its dispute-resolution processes still rely heavily on manual review, leading to delays and increased friction for merchants and consumers.
2. Plans for Automated Dispute Management
To address this bottleneck, Mastercard is evaluating the deployment of AI-driven dispute-management tools aimed at reducing resolution times and improving accuracy. The firm believes that automating chargeback and fraud handling will boost merchant confidence and support wider adoption of agentic commerce.