Merchant Commerce Agent
Represents a merchant across checkout, acquirers, payment methods, disputes and cash realization.
Optimizes acceptance and provider mix against interchange and scheme cost, conversion, fraud, settlement timing and customer-experience constraints.
Authority
Execute within policy
Team role
Routes work to specialists
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Business & Institutional Principals
Desk workflow
Convert business policy into provider requests, negotiate terms, execute bounded actions and reconcile receipts.
Collaboration
Calls several specialists in parallel
Decision boundary
Acts only inside a defined mandate and action boundary.
Systems and capabilities involved
Commerce platform API
Acquirer and PSP agents
Merchant policy and reserve limits
Settlement and dispute feeds
Commerce mandate wallet
Handoffs
What this role gives and receives
Capabilities offered
Represent merchant acceptance intent
Supplies transaction context, permitted methods and fulfillment terms to payment agents.
- Receives:
- Checkout or portfolio optimization event
- Returns:
- Signed merchant mandate and fulfillment commitment
Delegates
payment-orchestration and acquiring agents
Route customer-authorized transactions under merchant cost and risk policy. Trigger: Checkout presents a valid customer mandate Returns: Authorization, settlement and fee receipt.
Context
What the role needs to do the work
- Current work
- Current mandate, offers, constraints, approvals and negotiation state
- Prior interactions
- Prior provider interactions, outcomes, receipts and principal feedback
- Policies and reference
- Principal preferences, policies, holdings and standing instructions
- Working method
- Approved delegation and escalation playbooks
Illustrative workflow
How the work moves
Starting point
A customer presents an agentic-checkout cart mandate
- 01
Verify cart and merchant terms
- 02
Discover eligible rails
- 03
Compare cost and acceptance probability
- 04
Route authorization
- 05
Reconcile settlement receipt
Result
Completed checkout receipt with mandate and fee lineage
Checks and boundaries
What must be tested or reviewed
- 01Never optimizes cost by bypassing customer consent or scheme rules
- 02Preserves refund and fulfillment commitments
- 03Routes anomalous reserve or termination changes to merchant officer
Human authority
- Merchant officer approves reserve holds, termination, and material acceptance or provider changes
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