Haseeb Qureshi

If you're Visa, all right, and somebody buys something, how do you manage the chargeback dispute?

OK, if my OpenClaw buys me a rug and the rug shows up and I'm like, wait, I didn't want that.

What the fuck is this?

This is not the kind of rug I wanted.

And I charge it back.

And Visa's like, well, why did you charge this back?

And the answer's like, well, I didn't want, you know, my open call bought it while I was asleep.

Yeah, sure.

They're like, yeah, that's not, you can't, you can't charge that back.

No, fuck you.

They're going to say, basically, look, there's so much chargebacks that are happening because of this open call stuff.

You are not allowed to,

to transact this thing unless you go through 3DS.

3DS is 3D secure, which is like the Visa prove your human being thing, right?

They will make you prove that it's you and not an AI agent in order to charge your Visa because Visa is designed for this human to human commerce, right?

Like that's what the whole point of the chargeback system is that they're protecting you, the human, from making a mistake, but they're also protecting the merchants.

If it's an agent, then it's just like the economics have to change.

The mechanisms have to change.

Dispute resolution has to change.

And they're not prepared for that.