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Supporting additional payment methods for agentic commerce (opens in new tab)

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Stripe is expanding Shared Payment Tokens (SPTs) to support more payment methods for agentic commerce. SPTs now cover Mastercard Agent Pay, Visa Intelligent Commerce, and BNPL options from Affirm and Klarna, allowing AI agents to make authorized purchases without accessing customers’ underlying payment credentials. Stripe says this makes it the first provider to combine agentic network and BNPL tokens through one payment primitive.

Expanded Support for Agentic Payments

  • Sellers interact only with SPTs; Stripe provisions and manages the underlying payment tokens.
  • Businesses already processing payments through Stripe automatically gain access to these methods in agentic transactions.
  • The new capabilities are already being used to process payments across supported AI agents.

Network-Led Payments from Mastercard and Visa

  • Mastercard and Visa issue secure agentic network tokens that let authorized AI agents initiate payments on a customer’s behalf.
  • Stripe provisions a token based on the customer’s purchase intent and shares it with the agent.
  • Agents can reuse the token across participating sellers and locations where Mastercard or Visa are accepted.
  • Payment networks translate the token to the latest underlying card number, verify and authorize transactions, and support fraud and dispute management.
  • Additional authorization data helps issuers make better provisioning and transaction decisions.

Affirm and Klarna for Agentic Commerce

  • Stripe is adding SPT support for Affirm and Klarna, enabling agents to offer installment payment options.
  • BNPL transactions now exceed $300 billion globally, and Stripe reports up to a 14% revenue increase in BNPL-eligible sessions.
  • When a customer chooses BNPL, Stripe displays the provider’s confirmation flow in the agent interface and securely passes seller credentials to the provider.
  • The customer experience remains familiar while Stripe handles the integration details.

Stripe plans to add more payment methods to SPTs, broadening the range of payment options available to customers and AI agents.