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Discover how restaurant payment technology can open new doors.","how-technology-is-transforming-the-casual-dining-industry",{"route":1229,"payload":1230},"/en_GB/knowledge-hub/watches-of-switzerland",{"id":1231,"updatedAt":1232,"firstPublishedAt":1233,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1234,"description":1235,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1236,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"4YW7ODWKyB3w2fioQMEYrM","2025-12-17T17:45:25.508Z","2023-06-28T07:56:44.021Z","Watches of Switzerland | Case Study | Adyen","Discover why Watches of Switzerland chose Adyen to be their payments partner.","watches-of-switzerland",{"route":1238,"payload":1239},"/en_GB/knowledge-hub/hawes-and-curtis",{"id":1240,"updatedAt":1241,"firstPublishedAt":1242,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1243,"description":429,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1244,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"5wotMn1EtHKswVxLCUGqF3","2025-12-17T17:44:42.811Z","2023-06-28T07:56:29.602Z","Hawes & Curtis: Accelerating growth through user experience","hawes-and-curtis",{"route":1246,"payload":1247},"/en_GB/knowledge-hub/5-steps-to-increase-your-checkout-conversions",{"id":1248,"updatedAt":1249,"firstPublishedAt":1250,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1251,"description":1252,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1253,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"1KVBl6fX1TFDsnGTuc2ZCf","2025-12-17T17:44:42.355Z","2023-06-28T07:56:05.854Z","Reduce shopping cart abandon rates | Adyen","Reduce abandoned carts and increase your conversion rates with these five simple steps. 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Discover why this trend is one retailers can’t ignore and check if BNPL is right for your business.","is-buy-now-pay-later-right-for-your-business",{"route":1370,"payload":1371},"/en_GB/knowledge-hub/marginal-gains-processing-payments",{"id":1372,"updatedAt":1373,"firstPublishedAt":1374,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1375,"description":1376,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1377,"category":19,"subcategory":431,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"1jqkdcbxmAMNfnfl7Ururq","2025-12-17T17:38:31.861Z","2023-06-28T07:57:11.402Z","Processing payments | Adyen","Learn how to make gains for your business, by processing payments using local acquiring and network token optimisation in our marginal gains series. 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experiences.","dominos",{"route":1513,"payload":1514},"/en_GB/knowledge-hub/london-transport-museum",{"id":1515,"updatedAt":1516,"firstPublishedAt":1517,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1518,"description":1519,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1520,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"2NVY3d8ZRogpx6e2Dx8fEx","2025-12-17T17:35:23.277Z","2023-06-28T07:57:39.529Z","London Transport Museum and Adyen | Case study","London Transport Museum discusses online turbo-growth, replatforming to Magento 2, and ramping up payments with 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reputation.","how-to-stay-ahead-of-seller-fraud",{"route":1558,"payload":1559},"/en_GB/knowledge-hub/debit-mastercard-replacing-maestro",{"id":1560,"updatedAt":1561,"firstPublishedAt":1562,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1563,"description":1564,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1565,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"2Wni6nGNEO1EAML5EihUU6","2025-12-17T17:34:05.461Z","2023-06-28T07:58:47.978Z","Debit Mastercard replacing Maestro: key facts","From July 2023, Maestro cards will be replaced by Debit Mastercard, offering wider acceptance and enhanced ecommerce features for merchants and customers.","debit-mastercard-replacing-maestro",{"route":1567,"payload":1568},"/en_GB/knowledge-hub/digital-wallets",{"id":1569,"updatedAt":1570,"firstPublishedAt":1571,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1572,"description":1573,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1574,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"4EPtOl1CkkLG0TwcVqWWrM","2025-12-17T17:33:38.462Z","2023-06-28T07:59:16.467Z","All you need to know about digital wallets","Discover the most widely used digital wallets in the UK, how they work and which are best for your business. 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Learn everything you need to know to successfully benefit from card-on-file.","card-on-file",{"route":1656,"payload":1657},"/en_GB/knowledge-hub/bolt",{"id":1658,"updatedAt":1659,"firstPublishedAt":1660,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1661,"description":429,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1662,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"g2ZvdPAJR4XPRFvHaOxkK","2025-12-17T17:21:18.907Z","2023-06-28T08:00:53.186Z","Adyen has been working closely with Visa to drive its innovation programme and provide market-leading payment optimisation solutions directly to its business customers. With token and 3D secure (3DS) solutions, businesses can streamline their online ch...","bolt",{"route":1664,"payload":1665},"/en_GB/knowledge-hub/embedded-finance-accounts",{"id":1666,"updatedAt":1667,"firstPublishedAt":1668,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1669,"description":1670,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1671,"category":19,"subcategory":73,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"499BCi3R1PaxocdrxhJugN","2025-12-17T17:21:18.499Z","2023-06-28T08:01:02.222Z","The best way to fast-track your embedded finance journey\n","Learn why platforms should embed financial services into their offering and the best way to get started.","embedded-finance-accounts",{"route":1673,"payload":1674},"/en_GB/knowledge-hub/karma",{"id":1675,"updatedAt":1676,"firstPublishedAt":1677,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1678,"description":1679,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1680,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"63u3kUBnGt9CPdMk580hwk","2025-12-17T17:21:18.317Z","2023-06-28T08:00:57.509Z","Karma's secret recipe: More service, less admin","Find out how thanks to Adyen Karma prioritises exceptional guest experiences and minimises time spent on admin.","karma",{"route":1682,"payload":1683},"/en_GB/knowledge-hub/pay-by-link-for-developers",{"id":1684,"updatedAt":1685,"firstPublishedAt":1686,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1687,"description":1688,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1689,"category":19,"subcategory":431,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"64RExzZdHAWkxDJEXuHpTf","2025-12-17T17:20:52.908Z","2023-06-28T08:01:23.560Z","Pay by Link for developers","Discover how Pay by Link enables simple, flexible payment links with branding for multi-channel journeys and unified commerce strategies.","pay-by-link-for-developers",{"route":1691,"payload":1692},"/en_GB/knowledge-hub/contesting-chargebacks",{"id":1693,"updatedAt":1694,"firstPublishedAt":1695,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1696,"description":429,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1697,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"6iI0kCHno5M9ZfrCrnQ1va","2025-12-17T17:20:51.931Z","2023-06-28T08:01:38.806Z","Chargebacks: To contest or not to contest","contesting-chargebacks",{"route":1699,"payload":1700},"/en_GB/knowledge-hub/culture-of-security",{"id":1701,"updatedAt":1702,"firstPublishedAt":1703,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1704,"description":429,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1705,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"3W2juwvplsRDMPxVSTUET1","2025-12-17T17:20:51.574Z","2023-06-28T08:01:45.220Z","Secure to the core: How to build a culture of security while maintaining speed","culture-of-security",{"route":1707,"payload":1708},"/en_GB/knowledge-hub/2023-predictions",{"id":1709,"updatedAt":1710,"firstPublishedAt":1711,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1712,"description":429,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1713,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"3uS9ylcSBRbA0Sb1Hf34mc","2025-12-17T17:20:37.687Z","2023-06-28T08:01:50.412Z","2023 predictions: A level playing field to benefit everyone","2023-predictions",{"route":1715,"payload":1716},"/en_GB/knowledge-hub/hastens-pay-by-link",{"id":1717,"updatedAt":1718,"firstPublishedAt":1719,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1720,"description":1721,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1722,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"5X3dg1U0FwYhKUe07qAagu","2025-12-17T17:20:37.397Z","2023-06-28T08:01:19.261Z","Hästens’ recipe for a peaceful night’s sleep? 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","hastens-pay-by-link",{"route":1724,"payload":1725},"/en_GB/knowledge-hub/roller",{"id":1726,"updatedAt":1727,"firstPublishedAt":1728,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1729,"description":1730,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1731,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"2Fy1mHOuCO0DIR63qxHBm8","2025-12-17T17:20:36.622Z","2023-06-28T08:02:00.152Z","ROLLER platform payments for superior guest experiences","Discover how ROLLER uses Adyen for Platforms to streamline payments and enhance guest journeys across attractions worldwide.","roller",{"route":1733,"payload":1734},"/en_GB/knowledge-hub/buy-now-pay-later",{"id":1735,"updatedAt":1736,"firstPublishedAt":1737,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1738,"description":1739,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1740,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"1B41mknT3Ee8SGwhNWqRI6","2025-12-17T17:19:39.098Z","2023-06-28T08:02:05.211Z","Buy now, pay later: how can it work for my business?","Learn about the potential benefits of buy now, pay later (BNPL), if it's right for your business, and discover some of the BNPL solutions out there.","buy-now-pay-later",{"route":1742,"payload":1743},"/en_GB/knowledge-hub/in-person-payment-subscriptions",{"id":1744,"updatedAt":1745,"firstPublishedAt":1746,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1747,"description":429,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1748,"category":19,"subcategory":431,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"1vuXzcQHVW7xj0iC5xTmQp","2025-12-17T17:19:17.215Z","2023-06-28T08:02:29.441Z","The convenient truth about in-person payment subscriptions \n","in-person-payment-subscriptions",{"route":1750,"payload":1751},"/en_GB/knowledge-hub/the-body-shop-giving",{"id":1752,"updatedAt":1753,"firstPublishedAt":1754,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1755,"description":429,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1756,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"4V2GNPcRkkNyYIswO2n5sj","2025-12-17T17:19:17.027Z","2023-06-28T08:02:10.466Z","The Body Shop x Adyen: A rapid response for UNHCR","the-body-shop-giving",{"route":1758,"payload":1759},"/en_GB/knowledge-hub/delegated-authentication",{"id":1760,"updatedAt":1761,"firstPublishedAt":1762,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1763,"description":1764,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1765,"category":19,"subcategory":431,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"5fPqlvQJnGD2e0SVVQl3eY","2025-12-17T17:19:16.577Z","2023-06-28T08:02:38.673Z","Delegated authentication: How does it work in payments?","Delegated authentication optimises authentication experiences. Learn about delegated payments and how it can benefit your business.","delegated-authentication",{"route":1767,"payload":1768},"/en_GB/knowledge-hub/payments-fraud-detection-part-one",{"id":1769,"updatedAt":1770,"firstPublishedAt":1771,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1772,"description":1773,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1774,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"6fiZKoATrzYNTddgaM7718","2025-12-17T17:19:01.257Z","2023-06-28T08:02:44.939Z","Payment fraud detection: Challenges and steps to solve\n","We look at how the changing payments landscape has led to new fraud challenges and what you can do to detect the risks and defend your business better. \n","payments-fraud-detection-part-one",{"route":1776,"payload":1777},"/en_GB/knowledge-hub/gstar",{"id":1778,"updatedAt":1779,"firstPublishedAt":1780,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1781,"description":1782,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1783,"category":19,"subcategory":686,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"1nim9bQAQ0G3utiAlk6h3u","2025-12-17T17:19:01.184Z","2023-06-28T08:02:50.211Z","G-Star RAW: Hardcore denim and Unified Commerce","Learn how G-Star is improving the customer experience through Unified Commerce.\n","gstar",{"route":1785,"payload":1786},"/en_GB/knowledge-hub/how-the-payment-industry-evolved",{"id":1787,"updatedAt":1788,"firstPublishedAt":1789,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1790,"description":1791,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1792,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":14,"defaultLocaleRouteDisabled":11},"2rav4azxXBAcnknO6fcbif","2025-12-17T17:16:15.522Z","2023-06-28T07:53:55.800Z","Evolution of payments: Payment industry explained | Adyen","Explore the evolution of payments systems over the past 40 years and learn important payment terms.","how-the-payment-industry-evolved",{"route":1794,"payload":1795},"/en_GB/knowledge-hub/retail-trends",{"id":1796,"updatedAt":1797,"firstPublishedAt":1798,"defaultLocaleRoute":427,"hasDefaultAlgoliaContent":11,"title":1799,"description":1800,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1801,"category":19,"subcategory":20,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":11,"defaultLocaleRouteDisabled":11},"5KXtE4oQ6EhhoKExtMcHos","2025-12-17T17:16:15.489Z","2023-06-28T08:02:59.626Z","Top 4 retail trends of 2024 to watch out for","In this article we guide you through 4 retail trends that UK retailers will find interesting in 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data.","tokenization",{"route":1830,"payload":1831},"/en_GB/knowledge-hub/automated-reconciliation",{"id":1832,"updatedAt":1833,"firstPublishedAt":1834,"defaultLocaleRoute":1835,"hasDefaultAlgoliaContent":11,"title":1836,"description":1837,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1838,"category":19,"subcategory":34,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":11,"defaultLocaleRouteDisabled":14},"DHlEJ5iUotq0hslDOlNwB","2025-12-17T16:54:09.699Z","2024-04-16T11:31:01.832Z","/knowledge-hub/automated-reconciliation","Automated reconciliation: Everything you need to know","Discover everything you need to know about automated reconciliation. Increase efficiency and streamline operations.","automated-reconciliation",{"route":1840,"payload":1841},"/en_GB/knowledge-hub/adyen-banking-license",{"id":1842,"updatedAt":1843,"firstPublishedAt":1844,"defaultLocaleRoute":1845,"hasDefaultAlgoliaContent":11,"title":1846,"description":1847,"noIndex":14,"ogImage":15,"locale":16,"localeISO":17,"slug":1848,"category":19,"subcategory":34,"contentType":21,"sectionName":22,"nuxtLink":11,"parentContentType":23,"prerender":11,"defaultLocaleRouteDisabled":14},"PpbskKf6DpKrLEPcr4hAA","2025-12-17T16:54:09.655Z","2024-04-16T14:00:03.305Z","/knowledge-hub/adyen-banking-license","Adyen's Banking License","As of 2023, Adyen holds banking licenses in the EU, UK, and the US. 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","text",{"data":2933,"content":2935,"nodeType":2942},{"uri":2934},"https://www.adyen.com/en_GB/knowledge-hub/agentic-foundations-bridging-inventory-gap",[2936],{"data":2937,"marks":2938,"value":2941,"nodeType":2931},{},[2939],{"type":2940},"underline","first post in our Agentic Foundations","hyperlink",{"data":2944,"marks":2945,"value":2946,"nodeType":2931},{},[]," blog series explored how product data built for traditional marketing feeds is a systemic blocker for agentic commerce. We outlined how leading players are addressing this gap, and ",{"data":2948,"content":2950,"nodeType":2942},{"uri":2949},"https://www.adyen.com/en_GB/knowledge-hub/agentic-commerce-product-feeds",[2951],{"data":2952,"marks":2953,"value":2955,"nodeType":2931},{},[2954],{"type":2940},"what it takes to prepare data systems",{"data":2957,"marks":2958,"value":2959,"nodeType":2931},{},[]," for real-time, machine-driven queries.","paragraph",{"data":2962,"content":2963,"nodeType":2960},{},[2964],{"data":2965,"marks":2966,"value":2967,"nodeType":2931},{},[],"But even with a perfect machine-readable catalog, agentic commerce faces a more fundamental constraint: trust.",{"data":2969,"content":2970,"nodeType":2960},{},[2971],{"data":2972,"marks":2973,"value":2974,"nodeType":2931},{},[],"AI agents are turning the shopper-merchant duo into a trio, disrupting traditional trust signals. The urgent, unanswered question remains: when a machine acts as a proxy, who is liable? ",{"data":2976,"content":2977,"nodeType":2960},{},[2978],{"data":2979,"marks":2980,"value":2981,"nodeType":2931},{},[],"Until this is answered, trust cannot be established. And without trust, transactions cannot be reliably authorized or resolved, and agentic commerce cannot scale.","document",{"id":2984,"name":2985,"role":2986,"companyName":2367,"image":2987,"type":3005},"3xwC3zWKKYhxEYcOae0aEF","Jon Sheinfeld","Senior Product Manager, ML/AI",{"original":2988,"link":2994,"lazy":11,"caption":429,"source":429,"small":2996,"medium":3001,"large":3003,"contentType":2845,"id":2985,"src":2989,"alt":2985},{"src":2989,"alt":2985,"transform":2989,"extension":2990,"name":2985,"color":429,"isPublic":11,"size":2991,"focalPoint":15,"frontifyType":2826,"isFrontifyAsset":11},"https://media.ffycdn.net/eu/adyen/C2A1NAPARa6xGGehJ3DY.JPG","JPG",{"width":2992,"height":2993},2000,1333,{"url":2995,"title":2985,"download":11,"nuxt":14,"openInNewWindow":11},"https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyNjAwMiwidGltZXN0YW1wIjoxNzc3NjQ2OTQ1LCJ2ZXJzaW9uIjoxNzc3NjQ2OTM2fQ:adyen:r-UHgTaZsgH_k-dW_FddQggnNI1O61RaNvmDMCrL-yY/download",{"src":2997,"name":2985,"aspectRatio":2998,"color":429,"dimensions":2999},"https://media.ffycdn.net/eu/adyen/C2A1NAPARa6xGGehJ3DY.JPG?format=webp&width=96&height=96&crop=fp&fp=0.5%2C0.5","1/1",{"width":3000,"height":3000},48,{"src":2997,"name":2985,"aspectRatio":2998,"color":429,"dimensions":3002},{"width":3000,"height":3000},{"src":2997,"name":2985,"aspectRatio":2998,"color":429,"dimensions":3004},{"width":3000,"height":3000},"GlobalDataArticleAuthor",[3007,3108,3175],{"id":3008,"title":3009,"navigationTitle":3009,"image":15,"video":15,"text":3010,"sidebarItem":3106,"type":3107},"dWXwFK6nnsCEfrIA1IAhV","Why trust collapses",{"json":3011},{"nodeType":2982,"data":3012,"content":3013},{},[3014,3021,3029,3036,3043,3050,3057,3064,3071,3078,3085,3092,3099],{"nodeType":2960,"data":3015,"content":3016},{},[3017],{"nodeType":2931,"value":3018,"marks":3019,"data":3020},"The future of agentic commerce is stalling across three definitive trust fault lines:",[],{},{"nodeType":3022,"data":3023,"content":3024},"heading-3",{},[3025],{"nodeType":2931,"value":3026,"marks":3027,"data":3028},"1. Good vs bad bots",[],{},{"nodeType":2960,"data":3030,"content":3031},{},[3032],{"nodeType":2931,"value":3033,"marks":3034,"data":3035},"For over a decade, e-commerce has operated on a binary assumption: humans are customers, and bots are adversaries. Fraud systems, authentication protocols, and risk models are all built on this logic. With agentic commerce, these lines are blurred. ",[],{},{"nodeType":2960,"data":3037,"content":3038},{},[3039],{"nodeType":2931,"value":3040,"marks":3041,"data":3042},"When an AI agent initiates a transaction, merchants lose the digital breadcrumbs of the underlying shopper. Stable device IDs, known IP addresses, and behavioural patterns disappear. Without this context, transactions default to something that looks like a high-risk guest checkout.",[],{},{"nodeType":2960,"data":3044,"content":3045},{},[3046],{"nodeType":2931,"value":3047,"marks":3048,"data":3049},"A new intent gap compounds the issue. If an agent misinterprets instructions, like ordering the wrong product or the wrong quantity, the resulting dispute does not map cleanly to existing categories like “unauthorised transaction” or “item not as described.” This creates a liability grey area where merchants cannot distinguish between malicious activity and misconfigured automation.",[],{},{"nodeType":2960,"data":3051,"content":3052},{},[3053],{"nodeType":2931,"value":3054,"marks":3055,"data":3056},"Crucially, responsibility for agent-driven errors is not yet codified in payment network rules. Today’s implementations are already showing elevated chargeback and refund rates — early signals of what becomes significant financial exposure at scale.",[],{},{"nodeType":3022,"data":3058,"content":3059},{},[3060],{"nodeType":2931,"value":3061,"marks":3062,"data":3063},"2. Lack of data sharing",[],{},{"nodeType":2960,"data":3065,"content":3066},{},[3067],{"nodeType":2931,"value":3068,"marks":3069,"data":3070},"Trust also breaks at the data layer. In a two-party model, identity and intent move together. In a three-party system, they fragment. The agent captures intent without always proving it. The merchant processes the transaction without seeing its origin. Payment networks authorise the event without full context.",[],{},{"nodeType":2960,"data":3072,"content":3073},{},[3074],{"nodeType":2931,"value":3075,"marks":3076,"data":3077},"The result is a system where no single party has a complete, reliable view of the transaction. Without shared, structured data across all participants, trust cannot be reconstructed. Transactions become harder to verify, harder to authenticate, and harder to resolve when something goes wrong.",[],{},{"nodeType":3022,"data":3079,"content":3080},{},[3081],{"nodeType":2931,"value":3082,"marks":3083,"data":3084},"3. Regulatory friction",[],{},{"nodeType":2960,"data":3086,"content":3087},{},[3088],{"nodeType":2931,"value":3089,"marks":3090,"data":3091},"The third constraint is regulatory. Frameworks like SCA and 3DS2 are built on the assumption that a human is present to authenticate a transaction in real time: biometrics, passcodes, or step-up challenges.",[],{},{"nodeType":2960,"data":3093,"content":3094},{},[3095],{"nodeType":2931,"value":3096,"marks":3097,"data":3098},"Agentic commerce is fundamentally different as agents are designed to evaluate and execute independently; often hours after a prompt is given, or while the user is offline. This creates a structural mismatch between how transactions are authorised and how they are executed.",[],{},{"nodeType":2960,"data":3100,"content":3101},{},[3102],{"nodeType":2931,"value":3103,"marks":3104,"data":3105},"The current demand for real-time human approval is a hard ceiling, and unless we move to asynchronous authorisation, high-stakes commerce will remain off-limits to autonomous systems.\n\nEach of these fault lines erodes a different layer of trust, but they converge on the same outcome: no single party can confidently verify what happened, who approved it, or who is responsible. In that vacuum, liability becomes ambiguous and financial exposure increases.",[],{},{"contentType":-1},"BlockKnowledgeHubChapter",{"id":3109,"title":3110,"navigationTitle":3111,"image":15,"video":15,"text":3112,"sidebarItem":3174,"type":3107},"7eHmfrgJfqFYuXN03hyw0x","What matters most when preparing for agentic commerce at scale","Preparing for scale ",{"json":3113},{"nodeType":2982,"data":3114,"content":3115},{},[3116,3123,3130,3137,3150,3162],{"nodeType":2960,"data":3117,"content":3118},{},[3119],{"nodeType":2931,"value":3120,"marks":3121,"data":3122},"To scale, the industry must resolve the same three fault lines. ",[],{},{"nodeType":2960,"data":3124,"content":3125},{},[3126],{"nodeType":2931,"value":3127,"marks":3128,"data":3129},"Trust in agentic commerce will not be solved at the interface, but decided at the infrastructure layer. Bolting new features onto legacy systems cannot fix the core problem. It requires a redesign of how identity, risk, and payments operate within this new three-party environment. ",[],{},{"nodeType":2960,"data":3131,"content":3132},{},[3133],{"nodeType":2931,"value":3134,"marks":3135,"data":3136},"Adyen is shaping the infrastructure of trust on three critical fronts:",[],{},{"nodeType":2960,"data":3138,"content":3139},{},[3140,3146],{"nodeType":2931,"value":3141,"marks":3142,"data":3145},"Governance:",[3143],{"type":3144},"bold",{},{"nodeType":2931,"value":3147,"marks":3148,"data":3149}," We are actively contributing to the most critical industry working groups shaping agentic commerce. Our contribution made fraud and liability core tenets of these groups’ charters to ensure this is addressed at the foundation, not left as unresolved edge cases.",[],{},{"nodeType":2960,"data":3151,"content":3152},{},[3153,3158],{"nodeType":2931,"value":3154,"marks":3155,"data":3157},"Partnership:",[3156],{"type":3144},{},{"nodeType":2931,"value":3159,"marks":3160,"data":3161},"  We are actively influencing how the biggest players design and implement their own agentic commerce solutions, ensuring that trust, risk, and authorisation are built into the agentic transaction flow from the outset. This is not passive collaboration — we work directly with all the major payment networks, as well as the leading AI platforms. ",[],{},{"nodeType":2960,"data":3163,"content":3164},{},[3165,3170],{"nodeType":2931,"value":3166,"marks":3167,"data":3169},"Technical integration: ",[3168],{"type":3144},{},{"nodeType":2931,"value":3171,"marks":3172,"data":3173},"We are working with partners to define information-sharing requirements and ensure they are embedded at the critical points of the stack: firstly across PSP–AI platform integrations and, secondly, at the protocol level.",[],{},{"contentType":-1},{"id":3176,"title":3177,"navigationTitle":3177,"image":15,"video":15,"text":3178,"sidebarItem":3223,"type":3107},"77zwse1PKfx9YfqlTfWI6K","The bottom line",{"json":3179},{"nodeType":2982,"data":3180,"content":3181},{},[3182,3189,3196,3203],{"nodeType":2960,"data":3183,"content":3184},{},[3185],{"nodeType":2931,"value":3186,"marks":3187,"data":3188},"Agentic commerce cannot scale until the industry can answer three questions: who acted, what was intended, and who approved it. 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