Unknown routes to buyer review. Verified asks the buyer. Guaranteed can continue to an order quote.
Agent purchase rule · Australia
Let the agent ask before it pays.
One order. One decision. Protection stays explicit.
Developer preview · signed order-decision contract
The exact trigger
The agent finds the product. The store is unfamiliar.
Before delegated funds leave, BuyerProtection returns one of three instructions: stop, ask the buyer, or request an order-specific quote.
Never spend more than A$250 at an unfamiliar store unless the order has an eligible BuyerProtection quote.
The machine contract
Trust is not a badge. It is a state machine.
What the agent receives
A decision it can execute.
The quote returns the fee, order limit and only permitted next action. A missing limit routes the purchase back to the buyer.
{
"merchant": {
"domain": "example-store.com.au",
"guaranteeStatus": "active"
},
"order": {
"amountMinor": 68400,
"currency": "AUD"
},
"decision": {
"status": "preview_eligible",
"code": "commercial_activation_required"
},
"payment": {
"status": "not_started"
},
"passport": {
"status": "not_issued"
}
}One state at a time
Quote. Authority. Payment. Protection.
The API returns each state explicitly so an agent cannot assume the next one.
- Quote createdThe order-specific decision and expiry are recorded.
- Principal authority recordedBuyer confirmation or a spending mandate is attached to the quote.
- Payment verifiedA signed provider event confirms the BuyerProtection service fee; the merchant order remains a separate payment.
- Order Passport issuedThe eligible merchant order is bound to the signed record.
For agent platforms, wallets and banks
Bring the purchase rule. We return the decision.
Approved clients receive a hashed API credential. Raw card details never pass through BuyerProtection.