When an AIagent buys,prove thecustomersaid yes.
AI agents now book hotels, tickets and goods. When a customer says "I never approved that", the business loses the money. Mandate Ledger checks her permission before payment, asks her only when it's unclear, and seals a record her bank can verify.
Sample booking HB-20417, Harbour Hotel, Austin, 2 nights. Recomputed seal: 622a8472eaf2e799a2a97dd2dc5e55386943840942cecc2a5ce84d32209e909b
Checked live in your browser. Add one cent to the price and the seal breaks.
An AI agent books.Did she say yes?Nobody asked.She disputes. You pay.
With Mandate Ledger, the payment waits until her permission is checked. No permission, no charge.
Done! Booked your Austin hotel. $640.00
I never said yes to this.
SThe click used to prove she meant it. Agents removed the click. We put the proof back.
Sarah's AI assistant books her a $640 hotel room in Austin. Two weeks later she doesn't remember approving it, and her bank takes the money back. The hotel has no proof: the device and clicks were the agent's, not hers.
- $36.9BChargebacks forecast worldwide for 2026, before agents add to them.Mastercard, citing Datos Insights
- $190B to $385BUS online spending that could run through AI agents by 2030.Morgan Stanley
- Not settledWho pays when an agent purchase is disputed for reasons other than fraud. Until it is, the business usually carries the loss.Worldpay
About $0 in chargebacks worldwide since you opened this page.
Agents started paying in 2025. The rules are being written now.
- The rails are live.Visa, Mastercard, Google and OpenAI all launched ways for AI agents to pay in 2025.
- Identity is solved, consent is not.Networks can tell which agent is buying. None checks each purchase against what the customer allowed before the money moves.
- Old evidence doesn't fit.From 24 October 2026, Visa's dispute evidence rule still needs a match on the cardholder's own device or IP address. On an agent order, those belong to the agent. Visa rules
Whoever records the customer's yes at checkout sets the evidence standard.
Didn't approve? The hold is released and she is never charged. No refund, no dispute, no fee.
Built for everyone between the agent and the bank.
We sell through payment providers, so one integration reaches thousands of businesses.
Payment providers and acquirers
Agent orders put your merchants' dispute rates at risk. Add a consent check and network-ready evidence to every agent checkout, under your brand.
Partner with usTravel, ticketing and digital goods
Where agents buy first, and where disputes cost most. Take agent bookings without inheriting their chargebacks.
Become a design partner
Chargeback and fraud teams
The one piece of evidence you can't collect yourself: the customer's own approval, sealed before the charge.
See the record fileAI agent builders
Get let in, not blocked. Businesses trust agents whose purchases carry the customer's approval.
See how records are signed
Try it: a dispute just arrived.
Pick a record and check it the way her bank would. Sample data, real checks.
Proof made for the tools banks already use.
Record file
- Booking
- #HB-20417
- Found by
- the payment ID
- Contains
- agent, approval, booking, what the agent was shown, payment
- Sealed
- before payment
- Checks run
- 11, every result shown
- Verify
- anyone can, without us
Built to reach her bank when she first questions the charge, so many disputes never start. See the record format
What the record proves, and what it doesn't
We prove.
- She approved this exact booking
- Her approval came before the payment was taken
- Nothing has changed since
- Which agent and which of her devices signed it
- What the agent was shown, so you can spot a misleading listing
We don't.
- Decide the disputeHer bank does.
- Hold or move moneyYour payment provider does.
- Promise you'll win
- Prove who was holding the phone
We build on the networks, not against them.
The networks prove which agent is buying and what she allowed in general. We check each purchase against it before payment, and give you one record across all of them.
| Network or protocol | What it tells us | What we add |
|---|---|---|
| Visa Trusted Agent Protocol | Which agent is checking out | Her approval for this exact booking |
| Mastercard Agent Pay and Verifiable Intent | What she allowed in general | A check of this booking against it, sealed before payment |
| Google AP2 | Her signed instruction to her agent | One record that also works for Visa and Mastercard orders |
| OpenAI and Stripe ACP | The order details | Proof she approved them, and what the agent was shown |
Neutral by design: every network, every agent, any payment provider.
Starting at checkout. Built for everything agents do for people.
- Now
Consent check before payment, and a sealed record for every agent purchase
- Next
Records sent to banks before disputes start; checks for misleading listings; recovering losses when an agent breaks the rules
- Then
Guaranteed agent orders; company purchasing agents with spending policies
- Vision
The consent layer for anything an AI agent does on someone's behalf: bookings, subscriptions, account changes, contracts
Early, and moving. Prototype live, with real signature checks.
Questions we get asked.
- Will it slow down checkout?
- Only for agent bookings outside her saved rules or where the match is unclear. That takes one tap. Everything else is silent.
- Do you handle money or card numbers?
- No. Your payment provider holds and takes the money. We see the booking, the agent and the approval.
- Which payment providers can it work with?
- Any that can hold a payment and take it later, which most travel providers already do. Tell us yours on the form.
- What if the agent doesn't identify itself?
- It goes through your normal checkout, as today.
Be ready before the holiday disputes arrive.
Disputes on holiday bookings land in the new year. Join as a design partner now, free for 90 days.
May I book the hotel, 2 nights? $640.00
Asking her by textApproved with Face IDMay I book 2 cinema tickets? $38.00
Inside her rules, approved automaticallyMay I book a seat upgrade? $410.00
Over her limit, askingApproved in her appMay I book 2 concert tickets? $96.00
Approved by her card network's agent checkMay I book a non-refundable hotel rate? $598.00
She asked for free cancellationShe declined. Never charged.- Turn it on through your payment provider, or add our checkout step.
- Agent payments wait until her approval is checked.
- Every booking gets a sealed record, ready for her bank.