Affirm Holdings (AFRM) is expanding its partnership with Stripe (STRIP) to support Shared Payment Tokens, which are expected to enable AI agents to initiate purchases on behalf of shoppers.
SPT lets AI agents initiate purchases using a shopper’s permission and preferred payment method without exposing sensitive credentials.
The collaboration is set to bring the buy now, pay later lending platform’s pay-over-time options to checkout in AI-driven commerce experiences.
Shoppers can see the total cost upfront and select a clear repayment plan even when an AI assistant is helping them browse and buy, while merchants can accept those payments on the backend through Stripe.
“With our Shared Payment Tokens expanding to include Affirm, AI agents will be able to present buy now, pay later options at checkout,” said Kevin Miller, head of payments at Stripe.
The facility will be available for Stripe’s direct merchants, and will launch for merchants not handling payments with Stripe later in 2026.