Act todayWhat happenedAI chatbots are expected to drive a fifth of holiday online shopping traffic, and some will buy on a customer's behalf.
Who is affectedOnline stores, small retailers and any business that takes web orders and handles refunds or payment disputes.
What to do- 1Check whether your order records show who approved a purchase and when.
- 2Ask your payment provider how it handles orders placed by an AI assistant.
- 3Write a clear refund and dispute policy that covers AI-placed orders.
- 4Save order confirmations and customer messages in case a purchase is challenged.
More of your holiday shoppers may arrive through an AI chatbot this year. Salesforce predicts that chatbots will start 20 percent of all holiday online shopping visits in 2026. Some of those assistants may go further and place the order for the customer. That raises a question for any seller: can you prove a real person said yes?
What changed
An AI shopping assistant is a chatbot that helps people find and compare products. The new part is that some can also buy on a person's behalf. A story in Inc. points out the risk for sellers. If a purchase is made by software, the record of who approved it may be thin.
Who it affects
Any business that takes web orders is in the picture. That includes online stores and small retailers. It matters most for those that handle refunds and payment disputes. A dispute, often called a chargeback, is when a customer asks their card company to take the money back.
Why it matters
The trouble comes when a customer says they never agreed to a purchase. If an AI made the order, you may need to show that the customer approved it. Without that, a simple refund request can turn into a fight you struggle to win.
What we do not know yet
The material does not say how payment companies will treat orders placed by AI assistants. It also does not say what proof they will accept. Salesforce's figure is a prediction, not a count of actual sales.
What to do
The steps in the alert box above are a good place to start. They cover your order records, your payment provider, your refund policy and what you save. Sellers with no AI-driven orders yet still have time to set this up before the holiday rush.
The takeawayBefore the holiday rush, make sure your records can show that a real customer approved an order, even when an AI assistant placed it.