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The hidden fraud risk behind AI commerce

Selling online isn’t for the faint of heart. 

One day it’s AI causing chaos, the next it’s Amazon enforcement taking a listing down.

HOT TOPIC

AI shopping agents make buying effortless. Great for conversions. Not so great for fraud prevention. 

According to E-Commerce Times, as bots take over the checkout process, they’re quietly erasing the behavioral signals sellers rely on to spot risky transactions, setting the stage for a new wave of chargebacks.

🚨 The problem nobody sees (yet)

When AI agents shop autonomously, retailers lose the breadcrumbs that normally flag fraud. What’s left is… not much.

  • Friendly fraud now makes up roughly 75% of all chargebacks
  • $132B in estimated annual losses for merchants
  • Agentic purchases strip out browser data, device signals, and session behavior
  • Fraud teams may be left judging risk from a single data point: the shipping address

🧠 “Friendly fraud” gets worse with AI

Many of these disputes won’t come from criminals, they’ll come from customers.

  • Accidental purchases triggered by agents or children
  • Shoppers disputing charges they don’t recall authorizing
  • First-time offenders with no behavioral baseline
  • Legacy fraud tools built for third-party fraud, not first-party misuse

End result: Legit sales get clawed back, and sellers eat the loss.

🔍 What replaces lost fraud signals

With session data disappearing, experts say identity and history matter more than ever.

That means focusing on:

  • Long-term buyer behavior (purchase history, disputes, returns)
  • SKU patterns, spend consistency, and category shifts
  • Anomalies (like a sudden luxury buy from a low-spend shopper)
  • Clear proof a customer delegated purchasing authority to an AI agent

Bots aren’t the problem. Knowing which bots to trust is. If fraud protections don’t catch up, sellers could be staring down the biggest friendly-fraud surge ecommerce has ever seen.

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Automation doesn't care if you're compliant

Amazon now drives 40% of U.S. ecommerce, and nearly 62% of units sold come from third-party sellers. 

But, that growth comes with a catch. Black Enterprise reported that as Amazon scales, compliance pressure scales with it, and sellers feel it first.

💥 Growing seller headaches

Hate to be the one to break it: none of this is theoretical. These are the issues hitting real sellers every day.

  • Automation everywhere. Automated enforcement often misfires, false positives are now just part of doing business.
  • Suspensions aren’t rare. 22%–35% of sellers face at least one suspension. Safety documents, regulatory certificates, and listing language can all trigger action.
  • Counterfeit claims cause instant downtime. Brand complaints can pull listings instantly, even false claims, before investigations start.
  • Suspensions hurt fast. Routine reviews can take days for a response. Section 3 suspensions can last weeks or months, with seller funds frozen throughout.
  • Global selling, global risk. Nearly half of U.S. sellers sell internationally. Rules vary by country, but enforcement often doesn’t, so one issue can ripple across marketplaces.

Amazon’s enforcement is faster, stricter, and less forgiving. 

Sellers need airtight listings, up-to-date documentation, and zero-margin-for-error language, especially in regulated categories.Amazon now drives 40% of U.S. ecommerce, and nearly 62% of units sold come from third-party sellers. 

But, that growth comes with a catch. Black Enterprise reported that as Amazon scales, compliance pressure scales with it, and sellers feel it first.

💥 Growing seller headaches

Hate to be the one to break it: none of this is theoretical. These are the issues hitting real sellers every day.

  • Automation everywhere. Automated enforcement often misfires, false positives are now just part of doing business.
  • Suspensions aren’t rare. 22%–35% of sellers face at least one suspension. Safety documents, regulatory certificates, and listing language can all trigger action.
  • Counterfeit claims cause instant downtime. Brand complaints can pull listings instantly, even false claims, before investigations start.
  • Suspensions hurt fast. Routine reviews can take days for a response. Section 3 suspensions can last weeks or months, with seller funds frozen throughout.
  • Global selling, global risk. Nearly half of U.S. sellers sell internationally. Rules vary by country, but enforcement often doesn’t, so one issue can ripple across marketplaces.

Amazon’s enforcement is faster, stricter, and less forgiving. 

Sellers need airtight listings, up-to-date documentation, and zero-margin-for-error language, especially in regulated categories.

How to find out why your sales are down

Seeing a drop in sales can be stressful, but don’t panic. Your Business Reports are packed with insights to help you figure out why sales are down and how to get back on track.

Focus on these metrics to uncover the root cause:

  • Sales and Traffic Report
    • Ordered Product Sales: Total revenue, are all products down, or just a few? 🔁
    • Units Ordered: Are customers buying less, or are fewer customers buying?
    • Sessions: How many people are viewing your listings?
    • Conversion Rate: What percentage of viewers actually buy?

What to watch for: If sessions are down and conversion is steady, it’s a traffic problem; if sessions are steady but conversion is down, it’s a listing or pricing problem.

  • Detail Page Sales and Traffic by ASIN 
    • Page Views: Are customers finding your products?
    • Units Ordered per ASIN: Which products are underperforming? ⚠️
    • Featured Offer Percentage: Are you losing the Buy Box?

Tip: Sort by sales volume to see top performers, then check for sudden drops in metrics.

  • Featured Offer Percentage
    • If your percentage declines, check:
      • Pricing vs competitors
      • Shipping speed
      • Seller performance metrics

Tip: A drop here means less visibility and fewer sales.

Use these reports to separate traffic issues from conversion issues, pinpoint underperforming products, and take quick action to recover lost sales. 📊

Author : SellerBites
Faith began working on SellerBites in 2021, a weekly newsletter that provides sellers with the latest news and updates in FBA. With first-hand experience in managing various seller and vendor accounts, she understands what sellers face on this platform. Her background led to the conception of SellerBites, which main goal is to help people become better, more informed entrepreneurs in the Amazon marketplace.
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