The short answer
The model is ahead of the decision.
Agentic software is a real change from a chatbot. It can pursue a goal, pick a next step and adapt when the page or the price changes. Payments do not become agentic just because that software can reach a checkout. A payment is agentic, in any sense an organisation can operate, only when someone other than the agent has already decided that this spend is allowed.
Open protocols that let agents call tools, talk to each other or hand a payment instruction to a rail are necessary plumbing. They are also young, and they are not a policy. A vendor orchestrator that wants to coordinate everyone else's agents is a product strategy, not a neutral check. Neither one answers the question the merchant actually has: may this agent spend this amount, with this counterparty, under this mandate, right now?