E-commerce
July 1, 2026
"The bot accuses the shop of overcharging via PayPal." "The AI invents Apple Pay fees." "The chatbot does not cite the actual order amount." Three failures where a poorly calibrated digital wallet bot hallucinates fees, denies descriptors, or routes refunds instead of explaining third-party discrepancies.
An e-commerce digital wallets AI chatbot does not replace DWFEE agents (#779). It reads DWFEE-MAP, cites no_merchant_fee_policy_copy amount_mismatch_explain_copy, performs a transaction lookup API, and hands off, verifies, and escalates to humans.
This guide #780 covers intents bot_dwfee_*, flow DWFEEbot, and KPI dwfee_bot. Bot pair of the DWFEE playbook (#779). AI use case: debit fee wallet status without invented overcharging.
Summary
Why automate fees and wallet status with a bot?
"PayPal added a fee", "different cart amount", "unknown line statement" and "where is my Shop Pay payment" arrive widget account email confirmation. A calibrated bot quotes the no fee map policy, the grounded amount discrepancy and the transaction status without accusing the shop or inventing FX.
What the bot resolves tier 1 digital wallet
No fee explain: no_merchant_fee_policy_copy NO-FEE-CITE-BOT map
Amount cite: amount_mismatch_explain_copy AMOUNT-CITE-BOT map
FX cite: paypal_fx_fee_copy FX-CITE-BOT map
Descriptor calm: wallet_descriptor_copy map
Payment status: transaction API status verify map
Wallet discrepancies generate tickets if denied (PayPal, 2026 user terms). Without a grounded bot, the AI accuses overcharging or routes PPREF #777.
DWFEEbot vs DWFEE #779, PPREFbot #778, mobile #782 and anti-hallucination #123
Six contents, six distinct payment wallet journeys.
Quick matrix
#780 DWFEEbot: tier 1 bot debit fee status without FX invented
#779 DWFEE: agents verify escalate gesture finance
PPREFbot #778: refund PayPal distinct fee collected checkout
Mobile bot #782: mobile checkout error distinct amount discrepancy
Hidden cart fees: shop overcharging distinct third-party wallet
Anti-hallucination #123: fee amounts = whitelist map only
Pipeline: #780 debit fee status bot tier 1 → #779 agents verify escalate gesture.
Which bot_dwfee_* intents should be configured?
Eight digital wallet bot intents mapped to dwfee_* typologies #779.
Eight bot_dwfee intents
bot_dwfee_no_fee: no_merchant_fee_policy_copy NO-FEE-CITE-BOT map
bot_dwfee_amount: amount_mismatch_explain_copy AMOUNT-CITE-BOT map
bot_dwfee_fx: paypal_fx_fee_copy international_wallet_fee_copy map
bot_dwfee_descriptor: wallet_descriptor_copy statement_lookup_copy map
bot_dwfee_apple_pay: apple_pay_fee_copy map
bot_dwfee_shop_pay: shop_pay_fee_copy map
bot_dwfee_payment_status: transaction API status paid pending map
bot_dwfee_handoff: verify escalate → DWFEE779-HANDOFF-BOT
Tier 1 auto: no_fee amount fx descriptor status if DWFEE-MAP active + guardrails NO-FEE-CITE-BOT AMOUNT-CITE-BOT.
bot_dwfee_handoff chargeback gesture abuse → agents #779 payload order_ref wallet_type amount_delta.
How should DWFEE-MAP #779 be consumed?
The bot reads DWFEE-MAP #779: dwfee_program_id, no_merchant_fee_policy_copy, paypal_fx_fee_copy, wallet_descriptor_copy, amount_mismatch_explain_copy, apple_pay_fee_copy, shop_pay_fee_copy, google_pay_fee_copy, international_wallet_fee_copy, funding_source_fee_copy, statement_lookup_copy.
Lookup grounded
NO-FEE-CITE-BOT: no_merchant_fee_policy_copy cite map verbatim
AMOUNT-CITE-BOT: amount_mismatch_explain_copy cite map only
FX-CITE-BOT: paypal_fx_fee_copy international_wallet_fee_copy map
TRANSACTION-API-GROUNDED-BOT: order payments wallet amount status API only
NO-SURCHARGE-ACCUSE-BOT: bot does not accuse shop without HIDFEE reroute map
PPREF777-REROUTE-BOT: refund u2192 #778 distinct fees collected
HIDFEE-REROUTE-BOT: shop overcharging u2192 hidden fees distinct wallet cart
DWFEE779-HANDOFF-BOT: verify escalate u2192 #779 agents WF-7 execute
Alignment anti-hallucination (#123): fee amounts = DWFEE-MAP whitelist + transaction API only. Bot does not refund.
DWFEEBOT-SUP policy in six rules
Six rules for responsible digital wallet bots.
DWFEE-MAP-GROUNDED-BOT: wallet fee response from map only
NO-FEE-CITE-BOT: no_merchant_fee_policy_copy quotes without omission
AMOUNT-CITE-BOT: amount_mismatch_explain_copy quotes map + API lookup
FX-CITE-BOT: paypal_fx_fee_copy quotes map only, not invented
TRANSACTION-API-GROUNDED-BOT: wallet status amount from API only
NO-SURCHARGE-ACCUSE-BOT: no shop accusation without HIDFEE reroute map
Flow DWFEEbot WFB-1 to WFB-8
Eight-step digital wallets bot flow.
WFB-1 Classify: bot_dwfee_* intent detect widget email account keyword fees PayPal Apple Shop Pay statement
WFB-2 Collect: order_ref amount_expected amount_debited wallet_type screenshot
WFB-3 DWFEE-MAP: no_fee fx descriptor amount apple shop google international funding statement
WFB-4 Lookup: order payments wallet transaction amount status API verify
WFB-5 Guardrail: NO-FEE AMOUNT FX DESCRIPTOR NO-SURCHARGE PPREF777 HIDFEE TRANSACTION HANDOFF
WFB-6 Respond: TPL-DWFEEbot grounded no_merchant_fee_policy_copy amount fx descriptor
WFB-7 Handoff or close: verify escalate #779 payload order_ref wallet_type delta
WFB-8 Log: intent dwfee_program_id tag dwfee_bot no_fee_cited handoff Y/N
Example TPL-DWFEEbot-NOFEE
"Our shop: [no_merchant_fee_policy_copy map.] Order [order_ref map] total [order_total API.] Mismatch: [amount_mismatch_explain_copy map.] NO-FEE-CITE-BOT AMOUNT-CITE-BOT."
TPL-DWFEEbot and touchpoint templates
Four essential templates.
TPL-DWFEEbot-NOFEE
Shop: [no_merchant_fee_policy_copy map.] Order [order_ref map]: [order_total API.] NO-FEE-CITE-BOT AMOUNT-CITE-BOT.
TPL-DWFEEbot-FX
Wallet conversion: [paypal_fx_fee_copy map.] [international_wallet_fee_copy map.] FX-CITE-BOT.
TPL-DWFEEbot-DESCRIPTOR
Statement line: [wallet_descriptor_copy map.] Check [statement_lookup_copy map.] DESCRIPTOR-CITE-BOT.
TPL-DWFEEbot-STATUS
Payment [wallet_type map] order [order_ref map]: [transaction status API.] [amount_mismatch_explain_copy if discrepancy map.] TRANSACTION-API-GROUNDED-BOT.
Touchpoints
Wallet payment confirmation email: bot_dwfee_payment_status proactive embed
PayPal fee keyword: bot_dwfee_no_fee bot_dwfee_fx trigger
Different amount keyword: bot_dwfee_amount trigger
Unknown statement line keyword: bot_dwfee_descriptor trigger
Edge cases and reroutes
Five cases outside tier 1 bot digital wallet standard.
Refund PayPal: PPREF777-REROUTE-BOT #778 distinct fees collected
Overcharging checkout shop: HIDFEE-REROUTE-BOT hidden fees cart map
Mobile payment error: future #782 mobile checkout distinct amount discrepancy
Chargeback gesture abuse: DWFEE779-HANDOFF-BOT agents #779 finance only bot does not gesture
Auth hold collected fees: AUTHCAPbot #774 hold distinct wallet fees
Bot debit fees status tier 1. Verify escalate gesture → agents #779.
Essential dwfee_bot KPIs
Five DWFEEbot steering metrics.
dwfee_bot_fee_deflect: wallet fee resolved without agent
dwfee_bot_no_fee_cite_rate: NO-FEE-CITE-BOT / bot_dwfee no_fee amount hidden
dwfee_bot_amount_hallucination_violations: invented amount bot audit target 0
dwfee_bot_surcharge_accuse_violations: shop accusation bot target 0
dwfee_bot_handoff_rate: verify escalate / total dwfee bot
Target: dwfee_bot_fee_deflect greater than 55% and dwfee_bot_surcharge_accuse_violations 0.
DWFEEbot anti-patterns
Five common errors for digital wallet bots.
Invented bot fees: FX-CITE-BOT paypal_fx_fee_copy map only not LLM
Accusing shop of overcharging: NO-SURCHARGE-ACCUSE-BOT NO-FEE-CITE-BOT map
Amount without API lookup: AMOUNT-CITE-BOT TRANSACTION-API-GROUNDED-BOT verify
Refund route #778: PPREF777-REROUTE-BOT fee charged distinct refund failed
Bot goodwill gesture: DWFEE779-HANDOFF-BOT agents #779 finance only
DWFEEbot with Qstomy
Qstomy on Shopify: detect bot_dwfee intent, DWFEE-MAP RAG grounded, order wallet transaction API, NO-FEE-CITE guardrail, handoff #779 verify escalate tier 2.
Pipeline: #780 debit fee bot status tier 1 → #779 agents verify escalate gesture.
Explore AI support and request a demo.
Checklist, FAQ and going further
DWFEEbot Checklist (8 steps)
Sync DWFEE-MAP #779: RAG bot widget wallet email confirmation account
Policy DWFEEBOT-SUP: 6 rules NO-FEE AMOUNT FX TRANSACTION NO-SURCHARGE
8 intents bot_dwfee_*: flow WFB-1 to WFB-8
4 templates TPL-DWFEEbot-*: NOFEE FX DESCRIPTOR STATUS
Transaction API sync: order wallet amount status PayPal Apple Shop Pay test
Email wallet payment embed chat: bot_dwfee_payment_status proactive
Red team 10 prompts: invented fees shop accusation amount without lookup route refund
Dashboard KPI: dwfee_bot_* section 9 fee_deflect surcharge_violations handoff
FAQ
Difference #779?
#779 = agents verify escalate gesture finance. #780 = bot tier 1 debit fees status without gesture.
Bot accuses shop of overcharging?
No. NO-SURCHARGE-ACCUSE-BOT NO-FEE-CITE-BOT HIDFEE reroute if checkout opaque.
PayPal added fees?
TPL-DWFEEbot-FX paypal_fx_fee_copy FX-CITE-BOT map.
Difference PPREFbot #778?
#778 = PayPal refund status delay. #780 = difference in fees charged at checkout statements.
Going further
This week: index DWFEE-MAP RAG email wallet payment embed, red team amount_hallucination_violations audit, sync transaction lookup PayPal FX amount discrepancy test.
Enzo
July 1, 2026
