52% Say Fear of Fraud Is the Top Reason They Won't Let AI Shop for Them: Spreedly and Riskified Team Up

DURHAM, N.C., November 10, 2026 – AI agents are beginning to shop, choose products, and make purchases on behalf of consumers. But as shopping becomes more automated, a question emerges: How do you know who's really behind the purchase?

Starting today, merchants on Spreedly can add Riskified’s fraud decision, including its AI Agent Intelligence, as a step in Spreedly Composer before any payment is processed. Based on that decision, merchants can opt to approve, decline or step up an order to 3DS authentication, then route approved orders to any of their payment providers, all without a separate Riskified integration or changing processors.

Spreedly is tackling that challenge by working with Riskified, whose fraud and risk intelligence helps merchants decide which orders to trust, including orders placed by AI agents. Combined with Spreedly's payment orchestration, Riskified's identity and risk signals give merchants a way to approve legitimate agent-driven purchases and stop fraudulent ones.

Spreedly provides the payments infrastructure. Fraud specialists provide intelligence to help identify suspicious transactions and protect shoppers. The goal is simple: make AI-powered commerce safer for consumers while giving merchants greater control over how payments are handled.

"AI shopping will only succeed if consumers feel confident handing over their purchasing decisions," said Justin Benson, CEO at Spreedly. "That means making it easier for merchants to recognize legitimate transactions, stop fraud and protect their customers, without slowing down the consumer experience."

Spreedly's own data points the same way. According to Spreedly's State of Checkout 2026 survey of 2,000 US adults, conducted by Talker Research, 52% say fear of fraud is the top reason they won't let AI shop for them, and 31% don't know who is responsible when an AI purchase goes wrong. Fraud pressure is already rising at peak shopping times: according to aggregated, anonymized transaction data from Spreedly, a payments orchestration platform, declines flagged for suspected fraud averaged 31% higher per day over the 2025 Cyber Five weekend than on a normal November day, while payment attempts rose 20%.

Riskified has built tools for this shift, including AI Agent Intelligence, which gives merchants visibility into orders placed by AI shopping agents, and a policy builder for setting rules on how those agents are treated. Riskified research shows why trust is the open question: only 16% of consumers are comfortable with an AI agent spending their money autonomously, and 54% believe AI increases fraud risk.

"Merchants shouldn't have to choose between welcoming AI shoppers and protecting their business," said Max Meister Admoni, Global Head of Partnerships at Riskified. "By pairing Riskified's risk intelligence with Spreedly's payment orchestration, merchants get the visibility and control to set their own rules for agent-driven orders."

As consumers increasingly rely on AI to make purchases, trust may become the deciding factor in whether agentic commerce reaches the mainstream.

Riskified is available as a fraud and risk step in Spreedly's Composer, where merchants can use its decision to approve, deny or step up an order before payment is processed.

About Spreedly

Spreedly (www.spreedly.com) is a payments vault and orchestration platform built for the era of agentic commerce. It enables organizations to own their payment tokens, connect to payment and fraud providers, and route transactions for AI-driven commerce. The company is trusted by major brands including Hopper, Lemonade, Getty, Warner, The New York Times and Priceline. Spreedly processes more than $60 billion in annual gross merchandise value on behalf of more than 400 customers across more than 100 countries.

About Riskified

Riskified (NYSE: RSKD) empowers businesses to unleash ecommerce growth by outsmarting risk. Many of the world's largest brands and publicly traded online sellers use Riskified to protect against chargebacks, combat fraud and policy abuse, and improve customer retention. Its AI-driven platform, built by a team of ecommerce risk specialists, analyzes the person behind each interaction to deliver real-time decisions and identity-based insights. Learn more at Riskified.com 

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Olya Orda

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