AI agents are already buying things online. They skip your checkout UX, ignore your fraud signals, and look nothing like human customers. OmmPay helps acquirers, processors, and ISOs get ready.
Every fraud signal your systems rely on was built for human buyers. Agents break all of them.
Agent transactions come from datacenter IPs, show no mouse movements, no typing patterns, and complete forms in milliseconds. Your device fingerprinting sees a ghost.
Many agent purchases fall below risk thresholds or bypass 3D Secure entirely. The liability stays with you — and you didn't even know it wasn't a human.
API-based agent commerce skips the checkout page entirely. No cart, no form fields, no website visit. Machine-to-machine payments are already in pilot.
The critical question: was that agent transaction a legitimate purchase by an authorized shopping agent — or a bot with a stolen card? Today, you can't tell the difference.
On March 18, 2026, we deployed an AI agent to make a real purchase on a Shopify store. The agent navigated the website, selected a product, filled in billing details, entered a credit card number, and completed checkout.
Time from landing page to confirmed order: approximately 2 minutes.
CAPTCHAs triggered: zero. 3DS challenges: zero. Bot detection: zero.
The payment was processed by Shopify Payments (Stripe). The transaction was approved. A confirmation email was sent. From the merchant's and processor's perspective, it looked like any other customer.
We're currently running the same test across Amazon, Etsy, Squarespace, and WooCommerce stores — testing 5 different payment methods including tokenized cards, Stripe Payment Tokens, and PayPal. The full comparison matrix will be published ahead of APP Level Up '26 (April 20-22, Las Vegas).
A structured evaluation of how prepared your acquiring operation is for AI agent transactions.
Understand where your current fraud, underwriting, and risk systems stand against agent transaction patterns.
Hands-on guidance to adapt your systems, policies, and merchant onboarding for the agentic commerce era.
End-to-end partnership to build agent-ready infrastructure from the ground up.
OmmPay was founded in 2019 by Jekabs Sliede — a payments practitioner who's worked across high-risk acquiring, underwriting, risk management, and payment operations since 2008.
From processing.com to managing risk for publicly traded payment companies, Jekabs has worked every level of the acquiring stack — from manually underwriting merchant applications to building fraud detection systems to overseeing operations as COO.
In 2026, OmmPay pivoted to focus exclusively on the intersection of AI agents and payments — the biggest shift in commerce since e-commerce itself.
This isn't a consulting firm that read about payments last month. Jekabs has processed the transactions, fought the chargebacks, reviewed the fraud, and built the systems from the ground up. Now he's applying that depth to the question every acquirer needs to answer: what happens when the buyer isn't human?
30-minute discovery call. No pitch deck. Just an honest conversation about what agent transactions mean for your business.