Affirm is expanding its partnership with Stripe to support Shared Payment Tokens (SPT). This will allow AI agents to initiate purchases using a shopper’s permission and preferred payment method, without exposing sensitive credentials. The collaboration brings Affirm’s transparent pay-over-time options directly into AI-driven shopping experiences.
Commerce continues to evolve rapidly with AI agents assisting consumers in browsing, decision-making, and purchasing. Affirm’s integration with Stripe’s Shared Payment Tokens ensures that flexible, transparent financing remains accessible in these new experiences. Shoppers benefit from seeing full costs and repayment terms clearly, even when an AI assistant handles the interaction.
“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’s model focuses on transaction-specific financing. Each purchase undergoes individual real-time underwriting, providing eligible consumers with fixed payment plans and a clear payoff date. This structure maintains consistency across platforms and checkout surfaces.
Through Shared Payment Tokens, AI platforms can present Affirm as a payment option at checkout. After the shopper completes Affirm’s eligibility check and selects a plan, the purchase completes directly within the AI experience. Stripe handles the backend processing between the merchant and Affirm securely.
“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.
This capability initially rolls out to Stripe’s direct merchants. Later in the year, it will extend to merchants accepting Affirm without a direct Stripe integration, when supported by participating AI platforms.
Affirm and Stripe have partnered since 2021 to expand transparent pay-over-time options across online, in-person, and now agentic channels, including Stripe Terminal for physical payments. The addition of Shared Payment Tokens represents the next evolution of this collaboration.
Affirm is also collaborating with leading platforms and merchants to integrate its financing model into agent-driven commerce, including alignment with protocols such as Google’s Agent-to-Agent Protocol (AP2) and Universal Commerce Protocol (UCP).
Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.
About Affirm
Affirm's mission is to deliver honest financial products that improve lives. By building a new kind of payment network — one based on trust, transparency, and putting people first — we empower millions of consumers to spend and save responsibly and give thousands of businesses the tools to fuel growth. Unlike most credit cards and other pay-over-time options, we never charge any late or hidden fees. Follow Affirm on social media: LinkedIn | Instagram | Facebook | X.
About Stripe
Stripe is a technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments and manage their businesses online. Stripe has dual headquarters in San Francisco and Dublin, as well as offices in London, Paris, Singapore, Tokyo, and other locations around the world.
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