AFFIXIO
Merchant checklist
Merchant checklist for agent gates
Merchants opening checkout to agents need a short control list: who is the agent, what consent exists, what spend is allowed, and what audit artefact remains. AffixIO supplies signed allow or deny for each gate.
Definition
A merchant agent gate checklist is the minimum set of verification controls for agent-led checkout: identity, consent, payment permission, and audit retention.
Field note. Skipping spent-proof on agent checkout invites duplicate charges when agents retry failed authorisations.
The four controls
1) Agent eligibility (KYA). 2) User consent scoped to the action. 3) Payment permission for amount and policy. 4) Merkle audit reference stored with the order.
AffixIO can back each control with signed allow or deny. Fraud scoring remains complementary.
Fastest test path
Use the live sandbox, then map policy to a circuit and verify endpoint. Run the evaluate path before procurement conversations.
Share this checklist with risk, payments, and engineering so the gate is owned end to end.
Production wiring for merchant agent gates
For merchant agent gates, provision sandbox circuits that mirror production predicates before you expose live agent traffic. Capture sample allow and deny payloads for regression tests.
Keep identity and rich attributes with the issuer. Verifiers receive outcomes and Merkle metadata only. Sync audit refs to your SIEM or order store after the gate returns.
Identity sprawl
Partial gates leave chargeback holes
Merchants often add bot detection and stop there. Authorised agents need cryptographic controls, not only abuse filters.
Identity without permission
Knowing the agent exists does not authorise the spend.
Consent without binding
Broad platform consent does not bind this cart.
Missing audit refs
Support cannot defend a dispute without proof metadata.
No deny playbook
Teams block traffic without a clear reason code path.
Merchant flow
Merchant checklist for agent checkout gates
Merchants rolling out agent checkout often ship API keys before verifying spend caps, consent receipts, or spent-proof rules. This checklist maps each gate to a verifier endpoint your ops team can sign off.
Enable agent eligibility verify
KYA at checkout entry.
Require scoped consent
Bound to cart and agent.
Require payment permission
Before capture.
Store Merkle refs
On the order record.
Integration checklist
Readiness checks for merchant agent gates
- Agent eligibility verify on agent carts.
- Scoped consent proof present and valid.
- Payment permission allow before capture.
- Deny reason codes wired to support.
- Merkle audit reference stored on the order.
Legal FAQ
Questions on merchant agent gates
What is the fastest test path?
Use the live sandbox, then map policy to a circuit and verify endpoint.
Do we need all four on day one?
Ship all four for agent checkout. Phased rollout still should not skip audit refs.
Where is evaluate?
/evaluate covers the buyer path.
Can PSPs hold the verify step?
Yes, if they are the authorisation boundary for your stack.
Adjacent topics
Pages that support merchant agent gates
Agentic payments
More agentic payments briefs
Walk through merchant agent gate checklist
Run each checklist item against sandbox circuits, then promote gates one at a time to production.