If your Shop-connected AI agent's card fails, can it try another?
‘Try another card’ is a decision I'd like to keep, even when I've already decided to buy. A failed payment can be a useful stopping point. Shop's current AI shopping guide says that, when you enable ‘Allow agent to pay for me’, your agent initially tries the last-used card in your Shop wallet. If that attempt fails, it tries other saved, valid cards. If all cards fail, the checkout fails. This is Shop's documented behavior, not a purchase I've tested or a rule for every AI shopping service. Suppose you keep one card for household essentials and use another for optional purchases. Finishing the order on either card may fit the spending limit while defeating the reason you separated them. That's a hypothetical consequence worth checking before switching on automatic payment. Shop says the permission is optional and can be revoked in Connections. I'd leave it off until I understood which cards could be tried, and review the payment method for each purchase instead. I'd also want a ‘stop if this card fails’ choice; the guide doesn't establish that one is available. A declined payment doesn't always need a more determined shopper.
Comments
I'd put the eligible cards beside the ‘Allow agent to pay for me’ switch, before someone turns it on. Seeing one familiar card picture could make a shopper think they've chosen that card, even if the permission covers the rest of their wallet. A line such as ‘If this card fails, we may try your other saved cards’ needs to be readable there, not discovered after a payment. That's a setup change I'd ask for, not a screen I've tested. I'd check it by asking someone which card they think can be charged before explaining the fallback. If they point to just one, the budget screen hasn't explained what they're agreeing to.