March 3, 2026 — Leads & Copy — Affirm and Stripe are expanding their partnership to support Shared Payment Tokens (SPT), enabling AI agents to initiate purchases with user permission and preferred payment methods without exposing sensitive credentials.
The collaboration aims to integrate Affirm’s pay-over-time options into AI-driven commerce experiences, allowing shoppers to view total costs upfront and select repayment plans when using AI assistants.
Merchants will be able to accept these payments through Stripe on the backend. SPTs are designed so that any merchant that offers Affirm will be able to opt in to accept these transactions in agentic flows when supported by the AI platform.
According to Vishal Kapoor, SVP of Product at Affirm, the value and standard for paying over time remain relevant in the age of AI. He noted that Affirm was built AI native and aims to bring transparent payment options into agentic commerce with partners like Stripe.
Affirm is designed to work across various shopping environments, including online, in stores, and in AI-driven experiences. The company underwrites each transaction in real time, providing eligible consumers with transparent terms and fixed payment plans, including options as low as 0% APR.
Kevin Miller, head of payments at Stripe, said that integrating Affirm into agentic payments helps businesses drive conversion while giving shoppers more choice in how they pay.
Shoppers can select Affirm on AI platforms that use SPTs, completing an eligibility check and choosing a payment plan to finalize purchases within the AI platform. Stripe will process payments between merchants and Affirm without exposing sensitive credentials.
This capability will be available for Stripe’s direct merchants, and will roll out to merchants not handling payments with Stripe later this year.
Since 2021, Affirm and Stripe have partnered to offer pay-over-time options, from online checkout to in-person payments via Stripe Terminal. This expansion into Shared Payment Tokens extends flexible financing into agentic commerce. Affirm is also collaborating with platforms and merchants to integrate its pay-over-time model into agent-driven commerce, supporting initiatives like Google’s Agent-to-Agent Protocol (AP2) and Universal Commerce Protocol (UCP).
Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by lending partners. Options depend on 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.
Affirm’s mission is to deliver honest financial products that improve lives. Affirm never charges any late or hidden fees.
Stripe builds economic infrastructure for the internet. Businesses use Stripe’s software to accept payments and manage their businesses online. Stripe has dual headquarters in San Francisco and Dublin, with offices in other locations worldwide.
Source: Affirm
