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AI Agent Purchase Protection Infrastructure
One API. Any resolution.
When your agent gets it wrong, make it right. Purchase protection and resolution infrastructure for AI agents.
TodayPay gives personal AI agents and agentic commerce platforms the infrastructure to instantly refund, reimburse, compensate and protect customers when something goes wrong. Even when the merchant can't—or won't—refund the transaction.
THE PROBLEM
Your AI agent is going to screw up.
The more useful an AI agent becomes, the more consequential its mistakes become.
Personal agents are moving from answering questions to taking action:
Shopping
Booking travel
Ordering services
Making reservations
Managing subscriptions
Canceling transactions
Negotiating purchases
What happens when your agent gets it wrong?
Wrong booking
Wrong purchase
Missed cancellation
Misread instruction
Duplicate purchase
Unexpected fee
Customer dispute
Your agent needs its own resolution infrastructure.
THE NEW TRUST LAYER
The best AI agents won’t just be smart. They’ll be trusted to act.
The moment an AI agent can spend money on your behalf, trust becomes part of the product.
If my agent gets it wrong, will it make it right?
Yes
Build your own protection layer. TodayPay gives AI companies the infrastructure to create their own Purchase Protection, Agent Guarantee, Agent Error Protection, or customer resolution program.
You define
Protection policies, limits & eligibility
Your agent decides
When and how to resolve
TodayPay delivers
Refunds, reimbursements & compensation
AI AGENT PURCHASE PROTECTION
Give your AI agent
a safety net.
Credit cards built trust by standing behind purchases. AI agents can do the same. Protect customers when an agent makes a purchase that doesn’t match their authenticated intent.
Annual limits
Transaction limits
Eligible actions
Covered errors
Customer tiers
Approval rules
Risk thresholds
Claim requirements
Automatic resolution
Human review
01
You define
Protection policies, limits & eligibility
02
Your agent decides
When and how to resolve
03
TodayPay delivers
Refunds, reimbursements & compensation
Your brand. Your protection. TodayPay underneath.
RESOLUTION API FOR AI AGENTS
One API for everything that happens after an agentic transaction goes wrong.
Refund
Return some or all of a purchase.
Reimburse
Cover costs incurred because of an agent action.
Compensate
Pay a customer when an agent mistake causes financial harm.
Appease
Control access by employee, function or role.Resolve an unhappy customer when determining fault isn't worth the friction.
Protect
Power an AI-native purchase protection or customer guarantee program.
Resolve
Handle the edge cases traditional payment infrastructure wasn't designed for.
The agent detects a problem.
Your AI agent identifies an unsuccessful outcome or receives a customer complaint.
Determine responsibility.
Compare the customer's authenticated intent with the action the agent actually performed.
Apply your protection policy.
Your rules determine eligibility, amount, limits, approval requirements and resolution type.
Call the TodayPay API.
Send the customer and resolution instructions to TodayPay.
TodayPay delivers the resolution
The customer gets immediate access to their money through the available payment method.
The agent closes the loop.
“I've taken care of it.”
THE CUSTOMER EXPERIENCE
Don't send your customer into refund hell.
WITHOUT AGENT RESOLUTION INFRASTRUCTURE
You booked Thursday. I told you Friday.
I'm sorry. Unfortunately, the reservation is non-refundable. You may want to contact the merchant directly to see whether they can make an exception.
WITH TODAYPAY
You booked Thursday. I told you Friday.
You're right. I booked the wrong date. I've reimbursed the $186 charge. You don't need to do anything else.
Build Agent Protection
MISSING LAYER IN AGENTIC COMMERCE
Payments let AI agents transact. Resolution lets them recover.
AI agents are learning to discover products, understand intent, get authorization, and complete purchases on behalf of consumers. But completing a transaction doesn't always mean completing the job.
A wrong booking, missed cancellation, duplicate purchase, or misunderstood instruction can leave a customer out of pocket even after the payment has settled.
That's the gap in today's agentic commerce stack.
A wrong booking, missed cancellation, duplicate purchase, or misunderstood instruction can leave a customer out of pocket even after the payment has settled.
That's the gap in today's agentic commerce stack.
01
Identity
02
Intent
03
Authentication
04
Discovery
05
Authorization
06
Checkout
07
Payment
08
Resolution
When the outcome is wrong, the transaction isn't the end. It's where resolution begins.
When agents get it wrong
Agentic commerce creates a new class of financial edge cases.
AI agents act on behalf of consumers. That means their mistakes can have real financial consequences. TodayPay gives AI companies a way to handle the exceptions that traditional payment infrastructure wasn't designed for.
Purchase
Wrong purchase
Wrong quantity
Wrong destination
Bad substitution
Price discrepancy
Timing
Wrong date
Missed cancellation
Incorrect subscription
Service failure
Payment
Duplicate purchase
Unexpected fee
Partial merchant refund
Non-refundable purchase
Intent
Misunderstood instruction
Ambiguous customer intent
Customer disputes agent intent
Merchant refuses refund
Customer demands compensation
Your customer doesn't care where the mistake happened.
They just want it fixed.
They just want it fixed.
Why it matters
The more your agent can do, the more your customers need to trust it.
Foundation models will improve. Tools will multiply. Payment infrastructure will become increasingly standardized.
But AI companies still need to earn one thing before customers give their agents more autonomy:
Trust: When customers know their agent will make things right when something goes wrong, they're more willing to let it act with greater authority.
FAQs
What is AI agent purchase protection?
An enterprise refund platform gives businesses infrastructure for managing how customer refunds are initiated, approved, delivered and tracked across multiple systems, payment methods and customer touch-points. TodayPay adds a configurable refund layer between an enterprise's existing systems and its customers.
How can an AI agent refund a customer?
Refund automation uses software and business rules to automate steps that traditionally require employees, including refund intake, validation, approval, customer communication, payment delivery and reporting.
What happens when an AI agent makes a purchasing mistake?
Yes. TodayPay can be used to replace eligible paper refund and reimbursement processes with digital payment workflows, giving customers faster access to their money while reducing check administration for the business.
Does TodayPay replace our payment processor?
No. TodayPay is designed to work alongside existing payment processors, acquirers and enterprise systems rather than requiring businesses to replace their payments infrastructure.
How does TodayPay integrate?
TodayPay supports API integrations, batch/file workflows, no-code enterprise tools and customer-facing links. Businesses can begin with a lightweight deployment and integrate more deeply over time.
Can TodayPay support multiple business units or locations?
Yes. TodayPay can support enterprise hierarchies and configurable access, allowing businesses to organize users and refund activity across brands, regions, business units, locations or stores.
What types of refunds can TodayPay support?
TodayPay can support use cases including ecommerce refunds, store refunds, customer service refunds, cash refunds, paper check replacement, claims, appeasements, reimbursements and other merchant-to-consumer payments.
Is TodayPay secure?
TodayPay is designed for enterprise payment environments and maintains SOC 2 and PCI DSS compliance.
