How AI Agents Can Verify Seller Policies Before Making Autonomous Purchases

The agentic commerce stack has payment rails, checkout protocols, and agent identity verification. It's missing one thing: seller trust. The Gap Nobody Talks About Over the past six months, the infrastructure for AI agent commerce has come together fast. Visa's Trusted Agent Protocol (TAP) went live in October 2025, giving agents cryptographic identity so merchants know they're dealing with a legitimate AI buyer. OpenAI's Agentic Commerce Protocol (ACP), built with Stripe, launched in September 2025 and is now live for all US ChatGPT users as of February 2026. Google's Universal Commerce Protocol (UCP) launched at NRF in January 2026 with 20+ major retail partners including Walmart, Target, and Wayfair. The stack looks like this: Agent Identity: Visa TAP (proves the agent is legit) Checkout: ACP / UCP (handles the transaction) Payment: Stripe, x402, USDC micropayments Fraud: Payment processors There's no layer that answers: is this seller's return policy, shipping policy, or terms of s