Arrived damaged
Purchase protection
An agent orders a camera kit and it arrives with a cracked lens. Purchase protection covers eligible items that are damaged or stolen after purchase, on the card that paid.
Agentic purchase protection
Coverage for what agents buy with the cards in your wallet
Getting returns or reimbursements should be just as easy as purchasing something.
Shopping agent
Trail shoes, wrong size
The trail shoes you ordered came in a 9. I wear a 10.agent.find_the_order2.4sDone
Order A-48213 · Trailrunner 2 · size 9 · $128.00
agent.request_a_return2.4sDone
Declined by Northline Outfitters
Northline declined the return. I'll check what your card covers.
sure.card_benefits2.4sDone
Card ···· 4821 · return protection applies
Card benefits
- Merchant
- Northline Outfitters
- Paid
- $128.00 · Tuesday
Card ···· 4821
Purchase protectionReturn protectionExtended warranty
Your card ending 4821 includes return protection, which covers items a store won't take back. I'll start a claim from the transaction so you don't have to fill anything in.
sure.start_claim2.4sDone
Prefilled from transaction A-48213
SubmittedReturn protection
Claim RP-20481
Prefilled from the card transaction.
- Item
- Trailrunner 2 · size 9 · $128.00
- Merchant
- Northline Outfitters
- Reason
- Return declined by merchant
Order receiptTransaction recordReturn decline
Sent. Keep the shoes and the box for now, and I'll tell you here when there's an update.
Three benefits, one card
Agent purchases fall under benefits the card already carries
Purchase protection, return protection, and extended warranty attach to the card. They apply to an order whether a person or their agent placed it.
Return refused
Return protection
The agent ordered a size 9 and the store won't take them back. Return protection can refund an eligible item the merchant refuses to accept, starting from the original transaction.
Warranty ended
Extended warranty
Headphones the agent bought stop working a few months after the maker's warranty runs out. Extended warranty adds repair coverage past the manufacturer's term.
How it works
One transaction record carries the whole claim
Nothing here depends on the agent reporting its own mistake. The card saw the purchase, so the claim starts from what the card recorded.
01
The agent pays with the credential
A person gives their agent a card, a wallet, or an agent payment token. The agent checks out with it the way the person would, and the card's benefits come along.
02
The purchase lands in the transaction record
Merchant, amount, date, and item are captured when the card is charged. Every benefit on the card applies to that line, whoever placed the order.
03
A claim opens already filled in
When something goes wrong, the claim starts from the transaction. The person confirms what happened instead of retyping a receipt, and it goes to the carrier behind the benefit.
04
The agent checks coverage through MCP
Sure's MCP server gives an agent delegated access, with the person's consent, to look up what the card covers. Updates reach the person in the chat they already use.
Why the credential
Put the coverage where every transaction is already visible
Agents will keep changing. The card that pays stays the same, and it sees every purchase.
- Claims start from the transaction record, so they never depend on the agent's account of events.
- The benefits already on the card cover the purchase, with no new product to file.
- Claims go to the carrier that already stands behind those benefits.
Card ···· 4821
Paid with this card this month
- Shopping agentTrail shoes · $128.00
- Travel agentHotel deposit · $240.00
- Home agentGroceries · $126.40
Purchase protectionReturn protectionExtended warranty
Card benefits already running on Sure
Live with Mastercard, Revolut, and Pliant. Claims backed by Chubb.
90%of claims auto-adjudicated to payout by Sure's rules engine, with no human adjuster
<24 hrsmedian card-linked claim time, from submission to funds on the card
$1B+in premium processed on the platform
Benefits, eligibility, and claim outcomes depend on the card program's terms and the carrier's review.
Questions from partners
No. Purchase protection, return protection, and extended warranty attach to the card, so they apply to agent purchases on the same terms. Sure runs the benefits portal and the claims behind them.
The card program and its benefit terms. Sure's benefits portal and claims center are swipe-aware, so a purchase an agent makes shows up the same way a person's does.
No. The coverage sits with the card and the person who holds it. The agent only places the order, so nothing in the claim depends on which agent that was.
The benefit follows the credential. When a token or wallet is tied to a covered card, the purchase lands on that card's record and its benefits apply. Talk to us about how your tokens are set up.
A chargeback disputes a charge with the merchant. These benefits pay out when the purchase itself went wrong: the item broke, the return was refused, or the warranty ran out. The two can sit side by side.
Partner with Sure
Cover what agents buy with your cards
For card issuers, wallets, and agent payment platforms. We can show you how the benefit set attaches to your credential.
Talk to Sure