Authorization Gap Calculator: Agentic Fraud Exposure
The Authorization Gap Calculator estimates that with a $100M annual transaction volume and 20% agent-initiated transactions, a company faces an annual agentic commerce fraud exposure of $480K, a 2.4x risk multiplier, and 20,000 unresolvable disputes per year, highlighting the urgent need to develop authorization infrastructure as AI-driven agentic transactions—and associated fraud risks—rapidly increase.
Authorization Gap Calculator
AI agents are already buying, booking, and paying on behalf of your customers — with no cryptographic record of who authorized it. Translate the FBI's $16.6B fraud figure into a number tied to your actual transaction volume.
Your Numbers
- Annual Transaction Volume ($): $100.0M
- Agent-Initiated Transactions: 20%
Industry average rising toward 40% by 2026 - Dispute / Chargeback Rate: 1.0%
Industry average: 0.5–1% - Industry (optional): Financial Services, E-Commerce / Retail, Healthcare, Travel & Hospitality, Insurance, Other
Your Results
- Estimated Annual Exposure: $480K
Agentic commerce fraud risk based on your inputs - Risk Multiplier: 2.4x
- Unresolvable Disputes / yr: 20,000
Exposure manageable now, but agentic adoption accelerates fast. Build authorization infrastructure before disputes become structurally unresolvable.
Sources: FBI IC3 2023 ($16.6B); Deloitte agentic projection ($40B by 2027)