{"content_id":"1ysv8dnxl4","slug":"ai-agent-card-payments-korea-refunds-and-liability","locale":"en","schema_type":"Article","category":"ai_data","category_name":"AI Data","title":"AI Payments in Korea: Consumer Liability and Refunds","summary":"Before entrusting payments to AI, check both how your card number is protected and the purchase terms. Explanations of liability and losses after approval are based on Korean rules on the right to cancel a purchase and hypothetical examples.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"Injoys Editorial Team","url":"https://injoys.com/ko/about"},"key_points":["Payment tokens reduce exposure of card information, but they do not prevent misunderstandings about purchase terms.","Clicking the approval button alone does not establish that the user is liable for every dispute.","Refunds for online purchases in Korea depend on the grounds for exercising the right to cancel and the restrictions that apply.","In the hypothetical flight ticket example, the difference in losses between the two fares upon cancellation is 250,000 won.","Keep your instructions to AI, the approval screen and the actual order details together."],"content_markdown":"Before letting AI make card payments, set spending limits and purchase conditions. Protecting your card number does not prevent incorrect orders. Whether a refund is available after approval depends on the transaction terms and applicable law.\n\nThe withdrawal periods are based on the Electronic Commerce Act effective July 21, 2026.\n\n## What does AI handle in a payment?\n\nAI payment is a way for an AI agent to carry out part of the purchasing process. The agent uses external tools to place orders. How much you can actually delegate varies by service.\n\nProduct recommendations and payment execution require different levels of permission. If you delegate only the search, you can make the purchase decision yourself. To delegate ordering as well, you need to separately define which actions are allowed.\n\n| Scope of delegation | What AI handles | What to check |\n| --- | --- | --- |\n| Search and recommendations | Finding options that meet your conditions | Accuracy of prices and terms |\n| Order preparation | Selecting options and filling out the order form | Specifications, quantity, and shipping address |\n| Payment with approval for each transaction | Paying for an order you have confirmed | Whether the actual order matches what you approved |\n| Preauthorized payment | Making purchases within a defined scope | Limits on amounts, sellers, and frequency |\n\nVisa describes spending limits and approval procedures as controls. However, this does not mean that all the features described are available. Check the connected service for availability. [Visa Intelligent Commerce](https://www.visa.com/en-us/solutions/intelligent-commerce)\n\n## Is hiding your card number enough to keep you safe?\n\nProtecting your card number alone cannot prevent incorrect purchases. Payment information security and order accuracy are separate issues. You also need to check permissions to access personal information.\n\nA payment token is payment information that replaces an actual card number. Mastercard announced that it would introduce tokens for agents through Agent Pay. The announcement was made on April 29, 2025. [Mastercard Agent Pay announcement](https://newsroom.mastercard.com/news/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai)\n\n| Protection | Risk it aims to reduce | Issues to check separately |\n| --- | --- | --- |\n| Payment tokens | Exposure of the actual card number | Incorrect product selection in an authorized payment |\n| Spending limits | Spending beyond the permitted amount | Incorrect orders within the limit |\n| Seller restrictions | Payments to unauthorized sellers | Cancellation terms at authorized sellers |\n| Approval for each transaction | Making purchases you have not confirmed | Omissions and misreading on the approval screen |\n| Account access restrictions | Unnecessary access to personal information | Retention and deletion of information already shared |\n\nNot all tokens are single-use. Check each service for how long tokens remain valid and how restrictions work. Do not judge safety solely by a claim that card information is hidden.\n\n## Different situations involving incorrect AI purchases\n\nThe grounds for addressing an incorrect purchase depend on its cause. Distinguish between ambiguous instructions and a seller's failure to fulfill the contract. Actions taken without your approval also need to be checked separately.\n\n| Situation | Records to check | First issue to examine |\n| --- | --- | --- |\n| Buying a flight ticket with only the price specified | Original instructions and fare conditions | Whether refund conditions were specified |\n| An order that confuses bottles and packs of water | Specifications and quantity labels | Whether the ordering unit was clear |\n| Payment for a larger quantity than approved | Approval screen and order form | Whether the details changed after approval |\n| Delivery of a product different from the one ordered | Product description and photos of the item received | Whether the seller fulfilled the contract |\n| Payment to an unauthorized seller | Permission settings and execution logs | Whether the action exceeded the permitted scope |\n\nMalicious instructions on external webpages can also change what an agent does. This is called prompt injection. OWASP describes instruction manipulation through external documents as a risk. [OWASP AI Agent Security](https://cheatsheetseries.owasp.org/cheatsheets/AI_Agent_Security_Cheat_Sheet.html)\n\nThese attacks are a problem even if your card number is not exposed. This is because the agent's legitimate permissions can be misused. That is why settings that narrow the permitted scope are needed.\n\n## Does clicking the approval button settle responsibility?\n\nAn approval record alone does not settle all questions of responsibility. What was displayed and what you agreed to are relevant evidence. You also need to check whether the actual order matched what you approved.\n\nArticle 7 of the Electronic Commerce Act requires procedures for confirming and correcting orders. Part of the provision reads as follows.\n\n\u003e Procedures necessary to confirm or correct those details shall be established.\n\nThe quoted document is the Act on the Consumer Protection in Electronic Commerce. You can find the original text of Article 7 at the National Law Information Center. [Article 7 of the Electronic Commerce Act](https://www.law.go.kr/LSW/lsLinkCommonInfo.do?chrClsCd=010202\u0026lsJoLnkSeq=1031805975)\n\nArticle 109 of the Civil Act provides for the cancellation of a declaration of intent involving a material mistake. However, cancellation is restricted if the person was grossly negligent. Simply failing to read the screen is not enough to reach a conclusion. [Article 109 of the Civil Act](https://www.law.go.kr/LSW/lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0109\u0026lsiSeq=284415\u0026urlMode=lsScJoRltInfoR)\n\nThe Supreme Court assesses gross negligence based on the specific circumstances. The type and purpose of the act are among the factors considered. This means that individual records also need to be checked for AI purchases. [Supreme Court ruling of April 27, 2023](https://www.law.go.kr/LSW/precInfoP.do?precSeq=234695)\n\n- Ask the seller to confirm the order details and fulfillment of the contract.\n- Ask the AI operator how the execution came to differ from your instructions.\n- Check with the card issuer about the dispute process for the transaction.\n\nThese distinctions identify the issues to raise with each party. They do not automatically establish any party's obligation to pay compensation. A review of the applicable law and contract terms is needed.\n\n## Refund conditions for domestic online purchases\n\nDomestic online purchases may be subject to withdrawal provisions. Withdrawal is a system that allows you to withdraw your agreement to purchase under certain conditions. It is not ruled out simply because AI placed the order.\n\nThe usual withdrawal period is **within 7 days**. In principle, the period starts on the day you receive the contract terms in writing. If the goods are supplied later, it is calculated from the day you receive them. [Article 17(1) of the Electronic Commerce Act](https://www.law.go.kr/LSW/lsLinkCommonInfo.do?chrClsCd=010202\u0026lsJoLnkSeq=1031805923)\n\n| Situation | Period or restriction | Return costs |\n| --- | --- | --- |\n| Lawful withdrawal due to a change of mind | Within 7 days in principle | Paid by the consumer |\n| Fulfillment that differs from the advertisement or contract | Within 3 months of supply and within 30 days of becoming aware of the discrepancy | Paid by the seller |\n| A significant decrease in value due to use | Withdrawal may be restricted | First check whether withdrawal is allowed |\n| A decrease in value over time that makes resale difficult | Withdrawal may be restricted | Check each transaction |\n| Opening packaging to inspect the contents | Opening alone cannot justify a blanket restriction | Determined by the reason for withdrawal |\n\nAdditional requirements, such as notice, may apply to restrictions on withdrawal. Do not judge custom-made products by their label alone, either. Check the specific production conditions and the details of prior consent. [Article 17 of the Electronic Commerce Act](https://www.law.go.kr/LSW//lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0017\u0026lsiSeq=282793\u0026urlMode=lsScJoRltInfoR)\n\nEven if AI chooses the wrong quantity, it may not be a delivery error by the seller. Check whether the seller shipped what was ordered. Return costs depend on the reason for withdrawal. [Article 18 of the Electronic Commerce Act](https://www.law.go.kr/LSW//lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0018\u0026lsiSeq=282793\u0026urlMode=lsScJoRltInfoR)\n\n## Refund rules for flight tickets and overseas purchases\n\nFor flight tickets, you need to check both the fare conditions and applicable law. Legal protection does not disappear simply because the ticket is for a specific date. The enforceability of a nonrefundable label also requires separate review.\n\nThe Korea Fair Trade Commission has required airlines to correct nonrefundable terms. This makes it difficult to determine refund eligibility from the wording alone. Check the ticket's terms for the actual cancellation charges. [Korea Fair Trade Commission announcement on corrections to airline terms](https://www.korea.kr/briefing/policyBriefingView.do?newsId=148762304)\n\n| What to check | Details to check |\n| --- | --- |\n| Airline fare rules | Fees by cancellation timing and refundable items |\n| Booking agency terms | Separate fees and how to submit a cancellation |\n| Additional services | Refund conditions for baggage and seat fees |\n| Reason for cancellation | Whether it is a personal schedule change or a flight cancellation |\n| Accommodation bookings | Conditions based on the stay date and the date the cancellation is submitted |\n\nA foreign website is not necessarily governed only by foreign law. The Private International Act includes provisions that consider protections in the consumer's country of residence. Whether domestic protections apply needs to be checked for each transaction. [Article 47 of the Private International Act](https://www.law.go.kr/LSW/lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0047\u0026lsiSeq=238791\u0026urlMode=lsScJoRltInfoR)\n\n## Calculation examples: actual losses on flight tickets and bottled water\n\nThe price difference and the difference in losses after cancellation are calculated differently. The amounts below are hypothetical examples to help explain. They are not actual selling prices or guaranteed refunds.\n\n### Canceling a flight ticket\n\nThe difference in cancellation losses for the hypothetical tickets is 250,000 won. The purchase price difference between the two fares is 50,000 won. The difference in refund conditions makes the difference in losses larger.\n\n| Item | Fare with restricted refunds | Fare refundable after a fee deduction |\n| --- | --- | --- |\n| Amount paid | 310,000 won | 360,000 won |\n| Amount returned upon cancellation | Assumed to be 30,000 won in taxes and other charges | Assumed to be 330,000 won |\n| Loss after cancellation | 310,000 won - 30,000 won = 280,000 won | 360,000 won - 330,000 won = 30,000 won |\n| Difference in losses between the two fares | 280,000 won - 30,000 won = 250,000 won | Same basis of comparison |\n\nIf you take the trip as planned, the lower fare is 50,000 won cheaper. If you cancel under the assumed conditions, the higher fare results in a smaller loss. If your schedule might change, compare the costs after cancellation as well.\n\n### Confusing the ordering unit for bottled water\n\n1 pack of 6 bottles and 6 packs contain different total quantities. Here, the assumed price is 6,900 won per pack. The remaining 5 packs are assumed to be returnable.\n\n| Item | Calculation |\n| --- | --- |\n| Intended quantity | 1 pack of 6 bottles, 2 liters each |\n| Quantity ordered by mistake | 6 packs × 6 bottles = 36 bottles |\n| Initial payment | 6,900 won × 6 packs = 41,400 won |\n| Value of goods to be returned | 6,900 won × 5 packs = 34,500 won |\n| Assumed return shipping fee | 5,000 won |\n| Refund after deducting shipping | 34,500 won - 5,000 won = 29,500 won |\n| Final spending | 41,400 won - 29,500 won = 11,900 won |\n\nThe final spending includes the 1 pack of bottled water you kept. This calculation means spending 5,000 won more than the purchase you originally needed. Check the seller's return terms for the actual shipping fee.\n\n## When is a chargeback possible?\n\nA chargeback is a dispute process in which you ask your card issuer to reverse a transaction. A request alone does not guarantee a refund. The outcome depends on the reason for the dispute and the evidence submitted.\n\nThe Korea Consumer Agency lists nondelivery and failure to issue a refund among situations where chargebacks can be used. You may need transaction receipts and records of communication with the seller. Check the filing deadline with your card issuer for each transaction. (Verified value: within 120 days of the card payment date, sales slip receipt date · Source: kca.go.kr · Verified 2017-11-17) [Korea Consumer Agency guide to chargebacks](https://www.kca.go.kr/home/sub.do?menukey=4002\u0026mode=view\u0026no=1002572549\u0026page=53)\n\n| Dispute situation | Materials to prepare | What to check |\n| --- | --- | --- |\n| Goods not delivered | Order form and delivery tracking records | Promised delivery date |\n| Promised refund not issued | Records of the cancellation submission and refund promise | Promised refund date |\n| Transaction differs from what was approved | Approval screen and actual payment details | Differences in amount and seller |\n| Dissatisfaction with an approved product | Product terms and purchase records | Withdrawal or cancellation rules |\n\nCancellation may be difficult if you approved the purchase knowing it was nonrefundable. The Korea Consumer Agency also explains this in its guidance on flight tickets. Do not expect a refund simply because AI made the selection. [Korea Consumer Agency precautions for buying flight tickets](https://www.kca.go.kr/smartconsumer/sub.do?menukey=7714\u0026mode=view\u0026no=1003498910\u0026page=58)\n\n## How to compare the approval screen with the actual order\n\nSet up a process to check whether the actual order matches what you approved. Saving only the confirmation screen may cause you to miss differences in the final execution. It is useful to keep linked records from the original instructions through to the order form.\n\n1. Write down your purchase conditions, including specifications and units.\n2. Before payment, check the product, quantity, total amount, and cancellation terms.\n3. Save the approval screen along with the transaction time.\n4. Compare the seller's order confirmation with what you approved.\n5. If there is a difference, stop further actions and make an inquiry.\n\n| Record | What it can establish |\n| --- | --- |\n| Original request | Intended purchase conditions |\n| Permission settings | Scope of authority granted to AI |\n| Approval screen | What you personally checked and agreed to |\n| Seller's order confirmation | Transaction actually concluded |\n| Card statement | Amount charged and merchant |\n| Cancellation request records | When you communicated your intent to cancel |\n\nFor a flight ticket request, you can specify the cancellation fee you are willing to accept. For bottled water, distinguish between the number of bottles per pack and the number of packs to order. You can also set it to request approval again if conditions change.\n\nOWASP recommends limiting execution permissions and logging actions. A natural-language request alone does not guarantee that all restrictions will be enforced. Check the settings the service actually enforces. [OWASP AI Agent Security](https://cheatsheetseries.owasp.org/cheatsheets/AI_Agent_Security_Cheat_Sheet.html)\n\n## Common mistakes with AI payments\n\nDo not confuse revoking payment permissions with canceling an existing order. An order already placed may remain valid even after you revoke permissions. You need to check the outcome of the seller's cancellation process separately.\n\n| Misconception | Fact to check |\n| --- | --- |\n| Hiding the card number also ensures an accurate order | Information protection and product selection are separate issues |\n| Approval eliminates all refund rights | Statutory withdrawal rights and transaction terms need separate review |\n| Opening the packaging always makes returns impossible | The purpose of opening and the condition of the product must be distinguished |\n| Domestic law does not apply to foreign websites | Applicable law needs to be reviewed for each transaction |\n| Disabling a token also cancels the order | Payment permissions and the sales contract must be handled separately |\n| Requesting a chargeback results in an immediate refund | The card issuer must review the dispute |\n\nIf a problem arises, communicate your intent to cancel to the seller in a recorded form. You can ask the AI operator to preserve execution logs. If you suspect an unauthorized transaction, notify your card issuer immediately as well.","content_html":"\u003cp\u003eBefore letting AI make card payments, set spending limits and purchase conditions. Protecting your card number does not prevent incorrect orders. Whether a refund is available after approval depends on the transaction terms and applicable law.\u003c/p\u003e\n\u003cp\u003eThe withdrawal periods are based on the Electronic Commerce Act effective July 21, 2026.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#what-does-ai-handle-in-a-payment\" class=\"anchor\" id=\"what-does-ai-handle-in-a-payment\"\u003e\u003c/a\u003eWhat does AI handle in a payment?\u003c/h2\u003e\n\u003cp\u003eAI payment is a way for an AI agent to carry out part of the purchasing process. The agent uses external tools to place orders. How much you can actually delegate varies by service.\u003c/p\u003e\n\u003cp\u003eProduct recommendations and payment execution require different levels of permission. If you delegate only the search, you can make the purchase decision yourself. To delegate ordering as well, you need to separately define which actions are allowed.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eScope of delegation\u003c/th\u003e\n\u003cth\u003eWhat AI handles\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Scope of delegation\"\u003eSearch and recommendations\u003c/td\u003e\n\u003ctd data-label=\"What AI handles\"\u003eFinding options that meet your conditions\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eAccuracy of prices and terms\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Scope of delegation\"\u003eOrder preparation\u003c/td\u003e\n\u003ctd data-label=\"What AI handles\"\u003eSelecting options and filling out the order form\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eSpecifications, quantity, and shipping address\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Scope of delegation\"\u003ePayment with approval for each transaction\u003c/td\u003e\n\u003ctd data-label=\"What AI handles\"\u003ePaying for an order you have confirmed\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether the actual order matches what you approved\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Scope of delegation\"\u003ePreauthorized payment\u003c/td\u003e\n\u003ctd data-label=\"What AI handles\"\u003eMaking purchases within a defined scope\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eLimits on amounts, sellers, and frequency\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eVisa describes spending limits and approval procedures as controls. However, this does not mean that all the features described are available. Check the connected service for availability. \u003ca href=\"https://www.visa.com/en-us/solutions/intelligent-commerce\"\u003eVisa Intelligent Commerce\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#is-hiding-your-card-number-enough-to-keep-you-safe\" class=\"anchor\" id=\"is-hiding-your-card-number-enough-to-keep-you-safe\"\u003e\u003c/a\u003eIs hiding your card number enough to keep you safe?\u003c/h2\u003e\n\u003cp\u003eProtecting your card number alone cannot prevent incorrect purchases. Payment information security and order accuracy are separate issues. You also need to check permissions to access personal information.\u003c/p\u003e\n\u003cp\u003eA payment token is payment information that replaces an actual card number. Mastercard announced that it would introduce tokens for agents through Agent Pay. The announcement was made on April 29, 2025. \u003ca href=\"https://newsroom.mastercard.com/news/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai\"\u003eMastercard Agent Pay announcement\u003c/a\u003e\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eProtection\u003c/th\u003e\n\u003cth\u003eRisk it aims to reduce\u003c/th\u003e\n\u003cth\u003eIssues to check separately\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Protection\"\u003ePayment tokens\u003c/td\u003e\n\u003ctd data-label=\"Risk it aims to reduce\"\u003eExposure of the actual card number\u003c/td\u003e\n\u003ctd data-label=\"Issues to check separately\"\u003eIncorrect product selection in an authorized payment\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Protection\"\u003eSpending limits\u003c/td\u003e\n\u003ctd data-label=\"Risk it aims to reduce\"\u003eSpending beyond the permitted amount\u003c/td\u003e\n\u003ctd data-label=\"Issues to check separately\"\u003eIncorrect orders within the limit\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Protection\"\u003eSeller restrictions\u003c/td\u003e\n\u003ctd data-label=\"Risk it aims to reduce\"\u003ePayments to unauthorized sellers\u003c/td\u003e\n\u003ctd data-label=\"Issues to check separately\"\u003eCancellation terms at authorized sellers\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Protection\"\u003eApproval for each transaction\u003c/td\u003e\n\u003ctd data-label=\"Risk it aims to reduce\"\u003eMaking purchases you have not confirmed\u003c/td\u003e\n\u003ctd data-label=\"Issues to check separately\"\u003eOmissions and misreading on the approval screen\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Protection\"\u003eAccount access restrictions\u003c/td\u003e\n\u003ctd data-label=\"Risk it aims to reduce\"\u003eUnnecessary access to personal information\u003c/td\u003e\n\u003ctd data-label=\"Issues to check separately\"\u003eRetention and deletion of information already shared\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eNot all tokens are single-use. Check each service for how long tokens remain valid and how restrictions work. Do not judge safety solely by a claim that card information is hidden.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#different-situations-involving-incorrect-ai-purchases\" class=\"anchor\" id=\"different-situations-involving-incorrect-ai-purchases\"\u003e\u003c/a\u003eDifferent situations involving incorrect AI purchases\u003c/h2\u003e\n\u003cp\u003eThe grounds for addressing an incorrect purchase depend on its cause. Distinguish between ambiguous instructions and a seller's failure to fulfill the contract. Actions taken without your approval also need to be checked separately.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSituation\u003c/th\u003e\n\u003cth\u003eRecords to check\u003c/th\u003e\n\u003cth\u003eFirst issue to examine\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eBuying a flight ticket with only the price specified\u003c/td\u003e\n\u003ctd data-label=\"Records to check\"\u003eOriginal instructions and fare conditions\u003c/td\u003e\n\u003ctd data-label=\"First issue to examine\"\u003eWhether refund conditions were specified\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eAn order that confuses bottles and packs of water\u003c/td\u003e\n\u003ctd data-label=\"Records to check\"\u003eSpecifications and quantity labels\u003c/td\u003e\n\u003ctd data-label=\"First issue to examine\"\u003eWhether the ordering unit was clear\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003ePayment for a larger quantity than approved\u003c/td\u003e\n\u003ctd data-label=\"Records to check\"\u003eApproval screen and order form\u003c/td\u003e\n\u003ctd data-label=\"First issue to examine\"\u003eWhether the details changed after approval\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eDelivery of a product different from the one ordered\u003c/td\u003e\n\u003ctd data-label=\"Records to check\"\u003eProduct description and photos of the item received\u003c/td\u003e\n\u003ctd data-label=\"First issue to examine\"\u003eWhether the seller fulfilled the contract\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003ePayment to an unauthorized seller\u003c/td\u003e\n\u003ctd data-label=\"Records to check\"\u003ePermission settings and execution logs\u003c/td\u003e\n\u003ctd data-label=\"First issue to examine\"\u003eWhether the action exceeded the permitted scope\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eMalicious instructions on external webpages can also change what an agent does. This is called prompt injection. OWASP describes instruction manipulation through external documents as a risk. \u003ca href=\"https://cheatsheetseries.owasp.org/cheatsheets/AI_Agent_Security_Cheat_Sheet.html\"\u003eOWASP AI Agent Security\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eThese attacks are a problem even if your card number is not exposed. This is because the agent's legitimate permissions can be misused. That is why settings that narrow the permitted scope are needed.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#does-clicking-the-approval-button-settle-responsibility\" class=\"anchor\" id=\"does-clicking-the-approval-button-settle-responsibility\"\u003e\u003c/a\u003eDoes clicking the approval button settle responsibility?\u003c/h2\u003e\n\u003cp\u003eAn approval record alone does not settle all questions of responsibility. What was displayed and what you agreed to are relevant evidence. You also need to check whether the actual order matched what you approved.\u003c/p\u003e\n\u003cp\u003eArticle 7 of the Electronic Commerce Act requires procedures for confirming and correcting orders. Part of the provision reads as follows.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eProcedures necessary to confirm or correct those details shall be established.\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThe quoted document is the Act on the Consumer Protection in Electronic Commerce. You can find the original text of Article 7 at the National Law Information Center. \u003ca href=\"https://www.law.go.kr/LSW/lsLinkCommonInfo.do?chrClsCd=010202\u0026amp;lsJoLnkSeq=1031805975\"\u003eArticle 7 of the Electronic Commerce Act\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eArticle 109 of the Civil Act provides for the cancellation of a declaration of intent involving a material mistake. However, cancellation is restricted if the person was grossly negligent. Simply failing to read the screen is not enough to reach a conclusion. \u003ca href=\"https://www.law.go.kr/LSW/lsSideInfoP.do?docCls=jo\u0026amp;joBrNo=00\u0026amp;joNo=0109\u0026amp;lsiSeq=284415\u0026amp;urlMode=lsScJoRltInfoR\"\u003eArticle 109 of the Civil Act\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eThe Supreme Court assesses gross negligence based on the specific circumstances. The type and purpose of the act are among the factors considered. This means that individual records also need to be checked for AI purchases. \u003ca href=\"https://www.law.go.kr/LSW/precInfoP.do?precSeq=234695\"\u003eSupreme Court ruling of April 27, 2023\u003c/a\u003e\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eAsk the seller to confirm the order details and fulfillment of the contract.\u003c/li\u003e\n\u003cli\u003eAsk the AI operator how the execution came to differ from your instructions.\u003c/li\u003e\n\u003cli\u003eCheck with the card issuer about the dispute process for the transaction.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eThese distinctions identify the issues to raise with each party. They do not automatically establish any party's obligation to pay compensation. A review of the applicable law and contract terms is needed.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#refund-conditions-for-domestic-online-purchases\" class=\"anchor\" id=\"refund-conditions-for-domestic-online-purchases\"\u003e\u003c/a\u003eRefund conditions for domestic online purchases\u003c/h2\u003e\n\u003cp\u003eDomestic online purchases may be subject to withdrawal provisions. Withdrawal is a system that allows you to withdraw your agreement to purchase under certain conditions. It is not ruled out simply because AI placed the order.\u003c/p\u003e\n\u003cp\u003eThe usual withdrawal period is \u003cstrong\u003ewithin 7 days\u003c/strong\u003e. In principle, the period starts on the day you receive the contract terms in writing. If the goods are supplied later, it is calculated from the day you receive them. \u003ca href=\"https://www.law.go.kr/LSW/lsLinkCommonInfo.do?chrClsCd=010202\u0026amp;lsJoLnkSeq=1031805923\"\u003eArticle 17(1) of the Electronic Commerce Act\u003c/a\u003e\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSituation\u003c/th\u003e\n\u003cth\u003ePeriod or restriction\u003c/th\u003e\n\u003cth\u003eReturn costs\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eLawful withdrawal due to a change of mind\u003c/td\u003e\n\u003ctd data-label=\"Period or restriction\"\u003eWithin 7 days in principle\u003c/td\u003e\n\u003ctd data-label=\"Return costs\"\u003ePaid by the consumer\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eFulfillment that differs from the advertisement or contract\u003c/td\u003e\n\u003ctd data-label=\"Period or restriction\"\u003eWithin 3 months of supply and within 30 days of becoming aware of the discrepancy\u003c/td\u003e\n\u003ctd data-label=\"Return costs\"\u003ePaid by the seller\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eA significant decrease in value due to use\u003c/td\u003e\n\u003ctd data-label=\"Period or restriction\"\u003eWithdrawal may be restricted\u003c/td\u003e\n\u003ctd data-label=\"Return costs\"\u003eFirst check whether withdrawal is allowed\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eA decrease in value over time that makes resale difficult\u003c/td\u003e\n\u003ctd data-label=\"Period or restriction\"\u003eWithdrawal may be restricted\u003c/td\u003e\n\u003ctd data-label=\"Return costs\"\u003eCheck each transaction\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eOpening packaging to inspect the contents\u003c/td\u003e\n\u003ctd data-label=\"Period or restriction\"\u003eOpening alone cannot justify a blanket restriction\u003c/td\u003e\n\u003ctd data-label=\"Return costs\"\u003eDetermined by the reason for withdrawal\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eAdditional requirements, such as notice, may apply to restrictions on withdrawal. Do not judge custom-made products by their label alone, either. Check the specific production conditions and the details of prior consent. \u003ca href=\"https://www.law.go.kr/LSW//lsSideInfoP.do?docCls=jo\u0026amp;joBrNo=00\u0026amp;joNo=0017\u0026amp;lsiSeq=282793\u0026amp;urlMode=lsScJoRltInfoR\"\u003eArticle 17 of the Electronic Commerce Act\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eEven if AI chooses the wrong quantity, it may not be a delivery error by the seller. Check whether the seller shipped what was ordered. Return costs depend on the reason for withdrawal. \u003ca href=\"https://www.law.go.kr/LSW//lsSideInfoP.do?docCls=jo\u0026amp;joBrNo=00\u0026amp;joNo=0018\u0026amp;lsiSeq=282793\u0026amp;urlMode=lsScJoRltInfoR\"\u003eArticle 18 of the Electronic Commerce Act\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#refund-rules-for-flight-tickets-and-overseas-purchases\" class=\"anchor\" id=\"refund-rules-for-flight-tickets-and-overseas-purchases\"\u003e\u003c/a\u003eRefund rules for flight tickets and overseas purchases\u003c/h2\u003e\n\u003cp\u003eFor flight tickets, you need to check both the fare conditions and applicable law. Legal protection does not disappear simply because the ticket is for a specific date. The enforceability of a nonrefundable label also requires separate review.\u003c/p\u003e\n\u003cp\u003eThe Korea Fair Trade Commission has required airlines to correct nonrefundable terms. This makes it difficult to determine refund eligibility from the wording alone. Check the ticket's terms for the actual cancellation charges. \u003ca href=\"https://www.korea.kr/briefing/policyBriefingView.do?newsId=148762304\"\u003eKorea Fair Trade Commission announcement on corrections to airline terms\u003c/a\u003e\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003cth\u003eDetails to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What to check\"\u003eAirline fare rules\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eFees by cancellation timing and refundable items\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What to check\"\u003eBooking agency terms\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eSeparate fees and how to submit a cancellation\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What to check\"\u003eAdditional services\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eRefund conditions for baggage and seat fees\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What to check\"\u003eReason for cancellation\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eWhether it is a personal schedule change or a flight cancellation\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"What to check\"\u003eAccommodation bookings\u003c/td\u003e\n\u003ctd data-label=\"Details to check\"\u003eConditions based on the stay date and the date the cancellation is submitted\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eA foreign website is not necessarily governed only by foreign law. The Private International Act includes provisions that consider protections in the consumer's country of residence. Whether domestic protections apply needs to be checked for each transaction. \u003ca href=\"https://www.law.go.kr/LSW/lsSideInfoP.do?docCls=jo\u0026amp;joBrNo=00\u0026amp;joNo=0047\u0026amp;lsiSeq=238791\u0026amp;urlMode=lsScJoRltInfoR\"\u003eArticle 47 of the Private International Act\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#calculation-examples-actual-losses-on-flight-tickets-and-bottled-water\" class=\"anchor\" id=\"calculation-examples-actual-losses-on-flight-tickets-and-bottled-water\"\u003e\u003c/a\u003eCalculation examples: actual losses on flight tickets and bottled water\u003c/h2\u003e\n\u003cp\u003eThe price difference and the difference in losses after cancellation are calculated differently. The amounts below are hypothetical examples to help explain. They are not actual selling prices or guaranteed refunds.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#canceling-a-flight-ticket\" class=\"anchor\" id=\"canceling-a-flight-ticket\"\u003e\u003c/a\u003eCanceling a flight ticket\u003c/h3\u003e\n\u003cp\u003eThe difference in cancellation losses for the hypothetical tickets is 250,000 won. The purchase price difference between the two fares is 50,000 won. The difference in refund conditions makes the difference in losses larger.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eFare with restricted refunds\u003c/th\u003e\n\u003cth\u003eFare refundable after a fee deduction\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eAmount paid\u003c/td\u003e\n\u003ctd data-label=\"Fare with restricted refunds\"\u003e310,000 won\u003c/td\u003e\n\u003ctd data-label=\"Fare refundable after a fee deduction\"\u003e360,000 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eAmount returned upon cancellation\u003c/td\u003e\n\u003ctd data-label=\"Fare with restricted refunds\"\u003eAssumed to be 30,000 won in taxes and other charges\u003c/td\u003e\n\u003ctd data-label=\"Fare refundable after a fee deduction\"\u003eAssumed to be 330,000 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eLoss after cancellation\u003c/td\u003e\n\u003ctd data-label=\"Fare with restricted refunds\"\u003e310,000 won - 30,000 won = 280,000 won\u003c/td\u003e\n\u003ctd data-label=\"Fare refundable after a fee deduction\"\u003e360,000 won - 330,000 won = 30,000 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eDifference in losses between the two fares\u003c/td\u003e\n\u003ctd data-label=\"Fare with restricted refunds\"\u003e280,000 won - 30,000 won = 250,000 won\u003c/td\u003e\n\u003ctd data-label=\"Fare refundable after a fee deduction\"\u003eSame basis of comparison\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eIf you take the trip as planned, the lower fare is 50,000 won cheaper. If you cancel under the assumed conditions, the higher fare results in a smaller loss. If your schedule might change, compare the costs after cancellation as well.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#confusing-the-ordering-unit-for-bottled-water\" class=\"anchor\" id=\"confusing-the-ordering-unit-for-bottled-water\"\u003e\u003c/a\u003eConfusing the ordering unit for bottled water\u003c/h3\u003e\n\u003cp\u003e1 pack of 6 bottles and 6 packs contain different total quantities. Here, the assumed price is 6,900 won per pack. The remaining 5 packs are assumed to be returnable.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eCalculation\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eIntended quantity\u003c/td\u003e\n\u003ctd data-label=\"Calculation\"\u003e1 pack of 6 bottles, 2 liters each\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eQuantity ordered by mistake\u003c/td\u003e\n\u003ctd data-label=\"Calculation\"\u003e6 packs × 6 bottles = 36 bottles\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eInitial payment\u003c/td\u003e\n\u003ctd data-label=\"Calculation\"\u003e6,900 won × 6 packs = 41,400 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eValue of goods to be returned\u003c/td\u003e\n\u003ctd data-label=\"Calculation\"\u003e6,900 won × 5 packs = 34,500 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eAssumed return shipping fee\u003c/td\u003e\n\u003ctd data-label=\"Calculation\"\u003e5,000 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eRefund after deducting shipping\u003c/td\u003e\n\u003ctd data-label=\"Calculation\"\u003e34,500 won - 5,000 won = 29,500 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eFinal spending\u003c/td\u003e\n\u003ctd data-label=\"Calculation\"\u003e41,400 won - 29,500 won = 11,900 won\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe final spending includes the 1 pack of bottled water you kept. This calculation means spending 5,000 won more than the purchase you originally needed. Check the seller's return terms for the actual shipping fee.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#when-is-a-chargeback-possible\" class=\"anchor\" id=\"when-is-a-chargeback-possible\"\u003e\u003c/a\u003eWhen is a chargeback possible?\u003c/h2\u003e\n\u003cp\u003eA chargeback is a dispute process in which you ask your card issuer to reverse a transaction. A request alone does not guarantee a refund. The outcome depends on the reason for the dispute and the evidence submitted.\u003c/p\u003e\n\u003cp\u003eThe Korea Consumer Agency lists nondelivery and failure to issue a refund among situations where chargebacks can be used. You may need transaction receipts and records of communication with the seller. Check the filing deadline with your card issuer for each transaction. (Verified value: within 120 days of the card payment date, sales slip receipt date · Source: kca.go.kr · Verified 2017-11-17) \u003ca href=\"https://www.kca.go.kr/home/sub.do?menukey=4002\u0026amp;mode=view\u0026amp;no=1002572549\u0026amp;page=53\"\u003eKorea Consumer Agency guide to chargebacks\u003c/a\u003e\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eDispute situation\u003c/th\u003e\n\u003cth\u003eMaterials to prepare\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Dispute situation\"\u003eGoods not delivered\u003c/td\u003e\n\u003ctd data-label=\"Materials to prepare\"\u003eOrder form and delivery tracking records\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003ePromised delivery date\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Dispute situation\"\u003ePromised refund not issued\u003c/td\u003e\n\u003ctd data-label=\"Materials to prepare\"\u003eRecords of the cancellation submission and refund promise\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003ePromised refund date\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Dispute situation\"\u003eTransaction differs from what was approved\u003c/td\u003e\n\u003ctd data-label=\"Materials to prepare\"\u003eApproval screen and actual payment details\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eDifferences in amount and seller\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Dispute situation\"\u003eDissatisfaction with an approved product\u003c/td\u003e\n\u003ctd data-label=\"Materials to prepare\"\u003eProduct terms and purchase records\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWithdrawal or cancellation rules\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eCancellation may be difficult if you approved the purchase knowing it was nonrefundable. The Korea Consumer Agency also explains this in its guidance on flight tickets. Do not expect a refund simply because AI made the selection. \u003ca href=\"https://www.kca.go.kr/smartconsumer/sub.do?menukey=7714\u0026amp;mode=view\u0026amp;no=1003498910\u0026amp;page=58\"\u003eKorea Consumer Agency precautions for buying flight tickets\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-compare-the-approval-screen-with-the-actual-order\" class=\"anchor\" id=\"how-to-compare-the-approval-screen-with-the-actual-order\"\u003e\u003c/a\u003eHow to compare the approval screen with the actual order\u003c/h2\u003e\n\u003cp\u003eSet up a process to check whether the actual order matches what you approved. Saving only the confirmation screen may cause you to miss differences in the final execution. It is useful to keep linked records from the original instructions through to the order form.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eWrite down your purchase conditions, including specifications and units.\u003c/li\u003e\n\u003cli\u003eBefore payment, check the product, quantity, total amount, and cancellation terms.\u003c/li\u003e\n\u003cli\u003eSave the approval screen along with the transaction time.\u003c/li\u003e\n\u003cli\u003eCompare the seller's order confirmation with what you approved.\u003c/li\u003e\n\u003cli\u003eIf there is a difference, stop further actions and make an inquiry.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eRecord\u003c/th\u003e\n\u003cth\u003eWhat it can establish\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Record\"\u003eOriginal request\u003c/td\u003e\n\u003ctd data-label=\"What it can establish\"\u003eIntended purchase conditions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Record\"\u003ePermission settings\u003c/td\u003e\n\u003ctd data-label=\"What it can establish\"\u003eScope of authority granted to AI\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Record\"\u003eApproval screen\u003c/td\u003e\n\u003ctd data-label=\"What it can establish\"\u003eWhat you personally checked and agreed to\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Record\"\u003eSeller's order confirmation\u003c/td\u003e\n\u003ctd data-label=\"What it can establish\"\u003eTransaction actually concluded\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Record\"\u003eCard statement\u003c/td\u003e\n\u003ctd data-label=\"What it can establish\"\u003eAmount charged and merchant\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Record\"\u003eCancellation request records\u003c/td\u003e\n\u003ctd data-label=\"What it can establish\"\u003eWhen you communicated your intent to cancel\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eFor a flight ticket request, you can specify the cancellation fee you are willing to accept. For bottled water, distinguish between the number of bottles per pack and the number of packs to order. You can also set it to request approval again if conditions change.\u003c/p\u003e\n\u003cp\u003eOWASP recommends limiting execution permissions and logging actions. A natural-language request alone does not guarantee that all restrictions will be enforced. Check the settings the service actually enforces. \u003ca href=\"https://cheatsheetseries.owasp.org/cheatsheets/AI_Agent_Security_Cheat_Sheet.html\"\u003eOWASP AI Agent Security\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-mistakes-with-ai-payments\" class=\"anchor\" id=\"common-mistakes-with-ai-payments\"\u003e\u003c/a\u003eCommon mistakes with AI payments\u003c/h2\u003e\n\u003cp\u003eDo not confuse revoking payment permissions with canceling an existing order. An order already placed may remain valid even after you revoke permissions. You need to check the outcome of the seller's cancellation process separately.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eMisconception\u003c/th\u003e\n\u003cth\u003eFact to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Misconception\"\u003eHiding the card number also ensures an accurate order\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eInformation protection and product selection are separate issues\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Misconception\"\u003eApproval eliminates all refund rights\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eStatutory withdrawal rights and transaction terms need separate review\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Misconception\"\u003eOpening the packaging always makes returns impossible\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eThe purpose of opening and the condition of the product must be distinguished\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Misconception\"\u003eDomestic law does not apply to foreign websites\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eApplicable law needs to be reviewed for each transaction\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Misconception\"\u003eDisabling a token also cancels the order\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003ePayment permissions and the sales contract must be handled separately\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Misconception\"\u003eRequesting a chargeback results in an immediate refund\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eThe card issuer must review the dispute\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eIf a problem arises, communicate your intent to cancel to the seller in a recorded form. You can ask the AI operator to preserve execution logs. If you suspect an unauthorized transaction, notify your card issuer immediately as well.\u003c/p\u003e\n","tags":["Personal data protection","Everyday Finance","AI Agents","Credit card","Decision Making"],"faqs":[{"question":"Is it okay to enter my credit card number directly into an AI?","answer":"Rather than entering card details in a regular chat window, check the dedicated payment integration method. You need to review how card details are handled and the extent of the AI's access."},{"question":"Are all payment tokens single-use?","answer":"Not all payment tokens are single-use. You need to check the validity period, spending limits, and how to disable them for each service."},{"question":"Does clicking the approval button make me responsible for all of the AI's mistakes?","answer":"Approval alone does not determine all liability. You need to check whether the displayed terms match the actual order. Applicable laws and the business's obligations must also be considered."},{"question":"Can I return an item within 7 days even if the AI ordered it by mistake?","answer":"If South Korean e-commerce law applies, you can consider the standard right to withdraw from a purchase. You need to check when the withdrawal period begins and the grounds for restrictions for each type of product. As a rule, consumers bear the cost of returns due to a change of mind."},{"question":"Does opening the product packaging make it impossible to withdraw from the purchase?","answer":"Opening the packaging solely to inspect the contents does not automatically restrict your right to withdraw from the purchase. You need to check the specific grounds, such as whether use has significantly reduced the item's value."},{"question":"If an airline ticket says it is nonrefundable, is there nothing I can do?","answer":"You cannot judge based on the wording alone. Check the fare rules, the timing of cancellation, and applicable laws together. Refundable taxes and separate fees also need to be checked."},{"question":"Will buying an airline ticket that is 50,000 won cheaper mean losing an extra 250,000 won?","answer":"Not always. In the example, the cancellation losses are 280,000 won and 30,000 won, respectively. The difference between the two losses is 250,000 won, and actual transactions require a separate calculation."},{"question":"Can I request a chargeback on the grounds that the AI made the choice?","answer":"The fact that the AI made the choice does not, by itself, entitle you to a refund. You need to explain the actual grounds for the dispute, such as non-delivery or failure to issue a refund. Check with your card issuer about filing deadlines and required documentation."},{"question":"If I revoke the AI's payment authorization, will my existing reservations also be canceled?","answer":"Revoking authorization and canceling a reservation are separate processes. Request a cancellation from the seller and confirm the status of your request."},{"question":"What should I save in case of an AI payment dispute?","answer":"Save your initial instructions, the approval screen, and the seller's order form together. It also helps to keep your card payment records and records of cancellation requests."}],"sources":[{"url":"https://www.visa.com/en-us/solutions/intelligent-commerce","title":"Visa Intelligent Commerce","type":"source"},{"url":"https://newsroom.mastercard.com/news/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai","title":"Mastercard Agent Pay announcement, April 29, 2025","type":"source"},{"url":"https://cheatsheetseries.owasp.org/cheatsheets/AI_Agent_Security_Cheat_Sheet.html","title":"OWASP AI Agent Security Cheat Sheet","type":"source"},{"url":"https://www.law.go.kr/LSW/lsLinkCommonInfo.do?chrClsCd=010202\u0026lsJoLnkSeq=1031805975","title":"Article 7 of the Act on the Consumer Protection in Electronic Commerce","type":"source"},{"url":"https://www.law.go.kr/LSW/lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0109\u0026lsiSeq=284415\u0026urlMode=lsScJoRltInfoR","title":"Article 109 of the Civil Act, declaration of intent made by mistake","type":"source"},{"url":"https://www.law.go.kr/LSW/precInfoP.do?precSeq=234695","title":"Supreme Court decision of April 27, 2023, in case 2017다227264","type":"source"},{"url":"https://www.law.go.kr/LSW/lsLinkCommonInfo.do?chrClsCd=010202\u0026lsJoLnkSeq=1031805923","title":"Article 17(1) of the Electronic Commerce Act, period for withdrawing an order","type":"source"},{"url":"https://www.law.go.kr/LSW//lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0017\u0026lsiSeq=282793\u0026urlMode=lsScJoRltInfoR","title":"Article 17 of the Electronic Commerce Act, withdrawal of orders and grounds for restrictions","type":"source"},{"url":"https://www.law.go.kr/LSW//lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0018\u0026lsiSeq=282793\u0026urlMode=lsScJoRltInfoR","title":"Article 18 of the Electronic Commerce Act, refunds and return costs","type":"source"},{"url":"https://www.korea.kr/briefing/policyBriefingView.do?newsId=148762304","title":"Fair Trade Commission, correction of no-refund terms used by AirAsia X and other airlines","type":"source"},{"url":"https://www.law.go.kr/LSW/lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0047\u0026lsiSeq=238791\u0026urlMode=lsScJoRltInfoR","title":"Article 47 of the Act on Private International Law, consumer contracts","type":"source"},{"url":"https://www.kca.go.kr/home/sub.do?menukey=4002\u0026mode=view\u0026no=1002572549\u0026page=53","title":"Korea Consumer Agency, guidance on using credit card chargeback services","type":"source"},{"url":"https://www.kca.go.kr/smartconsumer/sub.do?menukey=7714\u0026mode=view\u0026no=1003498910\u0026page=58","title":"Korea Consumer Agency, exercise caution when buying airline tickets on Kiwi.com","type":"source"}],"images":[{"id":2061,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MzE3NDEsInB1ciI6ImJsb2JfaWQifX0=--909441604054eebaf8907ea9f3f2accafd2e3d53/ai-9a228a10.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"스웨터를 입은 남성이 집 현관에 무릎을 꿇고 바닥을 채운 여러 생수 묶음을 살펴보고 있다.","caption":"AI에 결제를 맡길 때는 구매 조건을 확인하고 실제 주문 내역과 대조해야 합니다.","description":null},"en":{"alt":"A man in a sweater kneels in a home entrance, examining several multipacks of bottled water spread across the floor.","caption":"When delegating payment to AI, check the purchase terms and verify the actual order.","description":null},"ja":{"alt":"セーター姿の男性が玄関で膝をつき、床に並ぶ複数のペットボトル入り飲料水のパックを見ている。","caption":"AIに決済を任せる際は、購入条件を確認し、実際の注文内容と照合する必要があります。","description":null},"es":{"alt":"Un hombre con suéter se arrodilla en la entrada de una vivienda y examina varios paquetes de agua embotellada.","caption":"Al delegar el pago en la IA, hay que comprobar las condiciones de compra y contrastarlas con el pedido real.","description":null},"id":{"alt":"Pria bersweter berlutut di pintu masuk rumah, mengamati beberapa pak air minum kemasan di lantai.","caption":"Saat menyerahkan pembayaran kepada AI, periksa ketentuan pembelian dan cocokkan dengan pesanan yang sebenarnya.","description":null},"pt":{"alt":"Um homem de suéter se ajoelha na entrada de casa e examina vários fardos de água engarrafada no chão.","caption":"Ao delegar o pagamento à IA, é preciso conferir as condições de compra e compará-las com o pedido efetivo.","description":null},"zh-hant":{"alt":"一名穿著毛衣的男子跪在住家玄關，查看擺滿地板的多組瓶裝水。","caption":"將付款交給 AI 時，應確認購買條件，並與實際訂單內容核對。","description":null},"de":{"alt":"Ein Mann im Pullover kniet im Hauseingang und betrachtet mehrere Wasserflaschenpacks auf dem Boden.","caption":"Wer die Zahlung einer KI überlässt, sollte die Kaufbedingungen prüfen und mit der tatsächlichen Bestellung abgleichen.","description":null}}},{"id":2062,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MzE3NDcsInB1ciI6ImJsb2JfaWQifX0=--8aa8bc9ecdd75977d5d96b7409b6848e803da05e/ai-c1d420d8.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"열린 여행 가방 옆에서 접은 옷을 옷장에 넣는 여성과 항공편 취소 표시가 떠 있는 태블릿","caption":"가정한 항공권 사례에서는 운임 조건에 따라 취소 시 손실이 달라집니다.","description":null},"en":{"alt":"A woman puts folded clothes away beside an open suitcase and a tablet displaying a flight cancellation symbol.","caption":"In the hypothetical flight booking, cancellation losses vary with the fare conditions.","description":null},"ja":{"alt":"開いたスーツケースのそばで畳んだ服をクローゼットに戻す女性と、欠航を示すマークが浮かぶタブレット","caption":"仮定の航空券予約の事例では、運賃条件によってキャンセル時の損失が異なります。","description":null},"es":{"alt":"Una mujer guarda ropa junto a una maleta abierta y una tableta con un símbolo de cancelación de vuelo.","caption":"En el caso hipotético de la reserva aérea, las pérdidas por cancelación varían según las condiciones de la tarifa.","description":null},"id":{"alt":"Seorang perempuan menyimpan pakaian di dekat koper terbuka dan tablet dengan simbol pembatalan penerbangan.","caption":"Dalam contoh pemesanan tiket pesawat hipotetis, kerugian akibat pembatalan berbeda sesuai ketentuan tarif.","description":null},"pt":{"alt":"Uma mulher guarda roupas ao lado de uma mala aberta e de um tablet com um símbolo de cancelamento de voo.","caption":"No caso hipotético da reserva aérea, as perdas por cancelamento variam conforme as condições da tarifa.","description":null},"zh-hant":{"alt":"一名女子在打開的行李箱旁將摺好的衣物放回衣櫃，旁邊的平板電腦上方浮現航班取消標誌","caption":"在假設的機票預訂案例中，取消時的損失會因票價條件而異。","description":null},"de":{"alt":"Eine Frau räumt neben einem offenen Koffer Kleidung in den Schrank; am Tablet erscheint ein Flugstorno-Symbol.","caption":"Im hypothetischen Flugbuchungsfall hängen die Stornierungsverluste von den Tarifbedingungen ab.","description":null}}}],"published_at":"2026-10-23T03:48:44+09:00","updated_at":"2026-10-23T03:48:44+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://injoys.com/en/articles/ai-agent-card-payments-korea-refunds-and-liability"}