Affirm expands Stripe partnership to support Shared Payment Tokens for agentic commerce

About this update from Affirm Holdings, Inc.

Enables secure, transparent pay-over-time options within AI-driven shopping experiences SAN FRANCISCO--(BUSINESS WIRE)-- Affirm (NASDAQ: AFRM) is expanding its long-standing partnership with Stripe to soon support Shared Payment Tokens (SPT), which let AI agents initiate purchases using a shopper’s permission and preferred payment method without exposing sensitive credentials. The collaboration will soon bring Affirm’s pay-over-time options to checkout in AI-driven commerce experiences, so shoppers can see the total cost upfront and select a clear repayment plan even when an AI assistant is helping them browse and buy. Meanwhile, merchants will be able to accept those payments on the backend through Stripe. “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,” said Vishal Kapoor, SVP of Product at Affirm. “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. Affirm 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.” Affirm is designed to work wherever people shop — online, in stores, and in new AI-driven experiences. Affirm underwrites each transaction individually in real time, so eligible consumers see the total cost upfront and choose a fixed payment plan with a clear payoff date — including options as low as 0% APR. Because each plan is tied to a specific purchase rather than a revolving balance, the same transparent terms can carry across platforms and checkout surfaces. “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,” said Kevin Miller, head of payments at Stripe. Through this capability, shoppers will be able to select Affirm as their payment method on AI platforms that use SPTs. After the shopper completes Affirm’s real-time eligibility check and chooses their preferred payment plan, they will be able to complete their purchase directly within the AI platform. On the backend, Stripe will process the payment between the merchant an...

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