Additional Payment Methods Supported for Agentic Commerce

Stripe is expanding Shared Payment Tokens (SPTs) to handle more payment methods in agentic commerce. It now supports not only network-led agentic payments like Mastercard Agent Pay and Visa Intelligent Commerce, but also BNPL options like Affirm and Klarna as a single primitive.

With this, Stripe becomes the first and only provider to support both agentic network tokens and BNPL tokens. This feature is already rolling out, and Stripe is processing transactions with agentic network tokens across supported AI agents.

For merchants, complexity is significantly reduced. Merchants only need to handle SPTs, while Stripe handles the issuance and linking of agentic network tokens and BNPL tokens behind the scenes. Merchants already accepting payments through Stripe will automatically support these new agentic payment methods without any additional work.

Network-led agentic payments work as follows:

• When a customer grants an agent purchasing authority, Stripe issues an agentic network token from Mastercard or Visa matching the customer's intent.
• The agent stores this token with Stripe and can reuse it with any merchant that supports agentic payments.
• The payment network handles credential translation, verification, and authorization processing, and relays mapping to the latest FPAN along with additional information to the issuer.

On the BNPL side, this brings agentic transactions into a global transaction volume of over $300 billion, along with revenue increases of up to 14% in BNPL-eligible sessions. When a customer selects BNPL, Stripe surfaces a confirmation page in the agent UI and relays merchant credentials to the BNPL provider, preserving the user experience while Stripe handles the backend complexity.

Going forward, Stripe plans to add more SPT-supported payment methods to open up agentic payments to more customers.