Pedram Dadgar’s positions on payments, regulation and sales.
Card schemes, acquirers and AI providers have presented credentials, protocols and interfaces for shopping agents within two weeks. The question of who pays the chargeback when an agent buys the wrong thing is expressly on the open list in every announcement.
“A verified agent is not an authorised purchase. As long as the rulebooks do not write down that difference, the retailer pays for it.”
In the second week of September the European Payments Initiative reported a new shareholder, a major bank as a distribution channel and ten million German users. A merchant fee appeared in none of these announcements.
“A payment method without published terms is not an offer but a declaration of intent — and declarations of intent do not belong in a contract running 48 months.”
For a year and a half, people have been marketing a law that does not exist. The real obligation comes from the customer, and the real danger for small businesses is not missing terminals but the contracts they sign out of fear.
“The only obligation that applies in payments in 2026 is the retailer's obligation to read his contract before he signs it.”