Beware, Amazon: Credit Has Been Extended Beyond Humans

If you are staunchly declaring that your company will NEVER do business with a bot, forget it. The bots have credit cards now.

Yes, the credit card industry, which (before the Equal Credit Opportunity Act of 1974) would not let women apply for credit cards in their own names, is now starting to extend credit to non human identities.

PYMNTS:

“Mercury this week gave artificial intelligence agents something companies routinely give new employees: a corporate card of their own. Extending that perk to an agent, not a person, is new. Agent cards treat the agent exactly like that new hire, with its own payment credential, its own spending limits and its own audit trail, separate from any human on the team.”

And Mercury isn’t the only company issuing such cards.

“Ramp is issuing scoped virtual cards through its Visa partnership that external AI agents can use within policy guardrails set by a company…”

Robocredit. Google Lyria. Public Domain.

For those who worry about misuse, humans can misuse corporate credit cards also. And if this means that more entities will buy from your company, and possibly buy more rapidly…why should you complain?

Well, unless you’re Amazon. But as of now, Amazon has failed in its attempt to ban Perplexity AI shopping agents, so it’s fighting a losing battle.