70% of shoppers say they must be able to review AI’s decision before it buys.
NMI surveyed 1,000 US adults. People will let AI help with discounts and addresses. Most want the last word on the purchase.
Would you let AI change your product pages without asking you first? Shoppers answered a version of that question about their own wallets. Most said no.
Who ran the survey
NMI, which describes itself as a global leader in embedded payments infrastructure, published “Embedded Payments: Agentic Commerce Reality Check” on Aug 26, 2026. It surveyed 1,000 US adults. NMI sells payments technology, so it has an interest in how people feel about AI and payments. The release does not give fieldwork dates, sampling method or margin of error.
The headline: review before buying
NMI reports that 70% of respondents say they must be able to review or override AI before a purchase. Only 10% would give AI full control over a purchase, and 45% would not trust AI to make purchases on their behalf at all.
NMI also reports that 76% are uncomfortable with AI completing purchases, and 69% do not trust AI to process payments securely.
What shoppers will hand over
The same people are fine with help that stops short of paying. Of respondents, 63% would use AI to insert discount codes automatically at checkout, 59% are comfortable with AI recommending products, and 58% would let AI fill in a shipping address.
Some help is less welcome. 58% are uncomfortable with AI recommending clothing sizes, and 55% do not want AI recommending which payment method to use.
What they are afraid of
NMI reports that 60% worry AI could spend more than they intended, 58% worry an agent could buy the wrong item, size, color or brand, 57% are concerned about losing control over purchases, and 50% are concerned about limited visibility into AI’s decisions.
If a purchase goes wrong too early, 62% say they would blame the AI provider, 34% the retailer and 24% the payments provider, as NMI reports it.
What it means for a brand
This is our reading, not NMI’s. If most shoppers want to review the order, the order shows them your product name, size, price and policies, as the agent read them. Wrong item, size or brand is among the top worries. A product page where those details are clear and match checkout is a page that survives that review.
The same logic applies on the brand side. AI can do the legwork of finding errors in how assistants describe you. The final say on a change to your pages should stay with you.
What to do this week
- Pick three products. Ask ChatGPT and Gemini to recommend one in your category and read what each says about size, color, price and returns.
- Fix any mismatch between that answer and your page.
- Make variant names clear and the same everywhere: page, feed and checkout.
- Decide who approves changes to product copy in your team, and keep that step.
How Shopthru.ai helps
Shopthru.ai is an AI agents team for consumer brands. It asks ChatGPT, Gemini, Google AI, Perplexity and Copilot what your shoppers ask, finds where AI gets your products, prices or policies wrong, and drafts each fix into an approval inbox. It ships only on your yes, then checks again. Instagram and Amazon are next.