The infrastructure gap in agentic commerce: payments are ready, disputes are not

The piece argues that while payment orchestration, tokenisation and settlement rails are being built for agentic commerce — which McKinsey estimates could generate $3–5 trillion by 2030 — the post-transaction dispute/evidence layer is largely missing. That gap risks higher chargebacks, longer and costlier disputes, weakened merchant trust metrics and slower adoption of agent-led purchases. Solutions like UDMS and ResolveLab, which capture timestamped consent and permission trails, are presented as necessary infrastructure to arbitrate authorization and limit revenue loss. Merchants and processors that adopt consent/evidence frameworks early will gain a competitive advantage in reliability and dispute performance, while the broader payments ecosystem could face operational and liability challenges if the dispute layer is not addressed.