Affirm, a leading payment network focused on empowering consumers and driving merchant growth, announced on, its support for Google’s Agent Payments Protocol (AP2), an open, payment-agnostic protocol developed with industry leaders to enable secure agent-led payments across platforms. This collaboration extends Affirm’s partnership with Google, building on integrations with Google Pay and Chrome’s autofill to advance seamless, transparent Buy Now, Pay Later (BNPL) experiences.
Google’s Agent Payments Protocol (AP2) aims to create a secure, scalable framework for agent-led payments, enabling AI agents to execute transactions across platforms. Affirm’s technology, already integrated with wallets, browsers, and chatbots, aligns seamlessly with AP2’s vision. It offers real-time risk assessment, instant approvals, and transparent pay-over-time plans with no late or hidden fees, fostering trust for consumers and merchants. Stavan Parikh, VP/GM of Payments at Google, stated, “For years, we’ve been working with Affirm to help deliver secure, seamless, and innovative payment experiences. Their contributions to shape Agent Payments Protocol exemplify the critical cross-industry collaboration needed.”
Vishal Kapoor, SVP of Product at Affirm, added, “Consumers deserve maximum value from agent-led commerce—more flexibility, more control, and transparent terms they can trust. That’s what Affirm responsibly delivers today, and extending our work with Google through AP2 will help bring those benefits to life in the next era of shopping.”
Affirm’s support for AP2 strengthens its position in the $450B BNPL market, projected to grow at a 20% CAGR through 2028. Its FY2024 performance showed $24B in GMV, up 31% YoY, with 23M active consumers and 303K active merchants. Recent partnerships, like with Apple Pay for iOS 18, and innovations in cardless BNPL via Google’s ecosystem, enhance its reach. Despite stock volatility (down from $92.07 on September 19, 2025), AFRM’s 75.5% gain since October 2024 ($43.85) reflects investor confidence in its scalable, transparent model.
This move aligns with industry trends toward agentic AI, as seen in partnerships like Helport AI with Atome for BNPL in Southeast Asia, positioning Affirm to shape a trusted, interoperable payments future.
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.
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