AI Agent Approve

The e-commerce landscape is undergoing a sea change as the use of AI shopping agents becomes mainstream. From merchant-built assistants to third-party agents from OpenAI, Perplexity, and others, automated shopping is transforming how consumers interact with online stores. But with this transformation comes new challenges: How do you distinguish between legitimate AI agents helping real customers and malicious bots exploiting your systems? How do you apply fraud protection without breaking the automated workflows these agents depend on?

AI Agent Approve solves these challenges by adapting Riskified's battle-tested fraud and abuse protection for the world of AI agents. For over a decade, Riskified has protected the world's largest merchants from fraud, policy abuse, and chargebacks. Now, that same sophisticated risk assessment engine has been reimagined for agentic commerce.

How It Works: The system communicates through structured MCP (Model Context Protocol) standards, delivering clear merchant guidance when AI agents interact with your store:

• Approve: Transactions proceed immediately, maintaining smooth automated flows
• Decline: Transactions are blocked with clear, interpretable reasoning
• Friction: Identity verification workflows like SMS confirmation to authorize agent shopping
• Custom Response Trees: For claims and returns, merchants configure auto-approve/deny logic with intelligent escalation to human agents for borderline cases

What makes AI Agent Approve uniquely effective is Riskified's massive data foundation and multi-layered intelligence. AI-Based Performance Segmentation continuously evolves to combat emerging threats:

• Uses AI to dynamically segment the agent population in real-time
• Automatically adjusts risk thresholds to contain new fraud patterns while minimizing false positives
• Continuously creates and tests new segments while deprecating outdated ones, ensuring consistent performance as the threat landscape shifts

Dynamic Multi-Layered Abuse Detection adapts faster than any static rule system:

• Network-wide graph analyzes patterns across millions of transactions and agent behaviors
• ML-driven identity resolution connects seemingly unrelated agents to expose coordinated attacks
• Dynamic risk evaluation adjusts to each merchant's unique risk profile and agent ecosystem
• Merchants can layer custom logic on top, ensuring flexible protection that evolves with every threat.

This sophisticated infrastructure, processing hundreds of billions in transactions, now powers real-time decisions for the age of AI commerce.

Transformative Benefits for Merchants:

• Higher Approval Rates: Our ML models leverage the full network effect to distinguish helpful shopping assistants from harmful bots, maximizing revenue from legitimate automated transactions while maintaining industry-leading fraud prevention.
• Boosted Authorization Rates: Pre-authorization filtering removes bad orders before they reach card issuers, improving your reputation with banks and raising the risk threshold at which they'll authorize your transactions - a compound benefit that grows over time.
• Comprehensive Abuse Prevention: The system identifies and blocks multiple attack vectors:
  • Serial returners exploiting refund policies through automated agents
  • Coordinated promo abuse from agent farms draining promotional budgets
  • Reseller bots using sophisticated patterns to hoard inventory
  • Cross-channel abuse patterns invisible when viewing transactions in isolation
• Seamless Verification at Scale: When additional verification is needed, programmatic workflows like SMS confirmation maintain security without breaking automation: legitimate users quickly verify while unauthorized agents are stopped.
• Full Merchant Control: Every decision comes with clear reasoning and data insights. Use Riskified's Decision Studio to adjust risk rules, understand attack patterns, and refine policies with complete visibility into your fraud prevention strategy.

Built on Riskified's proven infrastructure, AI Agent Approve is a fundamental rethinking of fraud prevention for when your customers are algorithms, not humans.

The same intelligent decisioning that has protected billions in human transactions now ensures legitimate shopping agents thrive while malicious automation is systematically blocked.