Affirm Holdings announced an expansion of its partnership with Stripe to support Shared Payment Tokens (SPT), enabling AI agents to initiate purchases using a shopper’s preferred payment method without exposing sensitive credentials.
The move positions Affim at the forefront of agentic commerce, allowing AI agents to present buy‑now, pay‑later options at checkout, which can boost conversion and offer consumers transparent repayment plans.
"Commerce is evolving quickly in this golden age of AI, though the value and standard for paying over time remain durable and even more relevant. As AI agents help people make better purchasing decisions, consumers will want to see the total cost upfront, choose a clear repayment plan, and know that there are no hidden fees. Affim was built AI native from the beginning, and this is what we're excited to bring into agentic commerce with the support of partners like Stripe." – Vishal Kapoor, SVP of Product, Affim
"With our Shared Payment Tokens expanding to include affirm, AI agents will be able to present buy now, pay later options at checkout. Integrating affirm into agentic payments helps businesses drive conversion while giving shoppers more choice in how they pay." – Kevin Miller, Head of Payments, Stripe
The SPT capability will initially be available to Stripe’s direct merchants, with a broader rollout to merchants not currently processing payments through Stripe scheduled for later this year. The partnership aims to accelerate merchant adoption by simplifying the checkout flow and reducing friction for both merchants and consumers.
For consumers, the technology allows AI agents to complete transactions using stored payment methods while keeping credentials secure, providing a frictionless experience and clear cost visibility. The expansion opens a significant market opportunity for Affim, potentially increasing transaction volume and reinforcing its position in the BNPL and payment‑network landscape as AI‑driven commerce grows.
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