Introducing our agentic commerce solutions

[kcm.jpg] Kevin Miller Business Lead, Payments, Risk, and Support

Last week, we shared how we worked with OpenAI to develop the Agentic Commerce Protocol (ACP), a new open specification to help AI platforms embed commerce into their applications, and businesses sell through agentic channels without giving up trust or control.

The ACP specification is already powering its first real-world use case: Instant Checkout in ChatGPT. ChatGPT users in the US can now buy from US Etsy sellersand soon from more than a million Shopify merchants, such as Glossier, Vuori, Spanx, and SKIMSdirectly in chat.

ACP is just the beginning. Here are some of the additional steps Stripe is taking to build agentic commerce solutions for AI platforms and businesses.

What were building for AI platforms

Agentic commerce challenges many of the assumptions todays permissioning and fraud systems rely on. In traditional commerce, possession of a credential (such as a card) is treated as a trust signal. But because AI agents act on behalf of users, trust cant be inferredit has to be explicitly granted, scoped, and enforced in code.

To support this shift, Stripe built Shared Payment Tokens (SPT), a new payment primitive for AI commerce. SPTs let agents initiate payments using a buyers permission and preferred payment method, without exposing credentials.

SPTs are designed to meet the new requirements of agentic commerce:

• Programmable by design: Tokens can be scoped to a specific business, limited by time or amount, revoked at any time, and monitored via webhook events.
• Reusable and convenient: Buyers can use their existing saved payment methodsor add a new onewithout needing to re-enter details.
• Secure and interoperable: Underlying credentials are not exposed, and SPTs are designed to be generally compatible with card networks agentic tokens.
• Protective against fraud: When used on Stripe, SPTs are powered by Stripe Radar and can relay the underlying risk signals using transaction and payment method detailsincluding the likelihood of a fraudulent dispute, card testing, a stolen card, a card issuer decline, and other signalsthat help differentiate between high-intent agents and low-trust automated bots.
• Easy to integrate: SPTs work directly with Stripe PaymentIntents, making integration simple for developers already using Stripe.

Businesses can accept purchases from AI platforms without major changes to their stack. Heres how it works:

• A buyer either creates or reuses a saved payment method with the AI platform.
• Once the buyer clicks Buy, the AI platform issues an SPT scoped to the business, with a usage limit tied to the checkout total.
• The AI platform sends the SPT identifier to the business via an API request.
• The business uses the SPT to create a PaymentIntent.
• Stripe facilitates the transaction, applying fraud detection and enforcing token controls in real time.

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Even businesses that dont process payments with Stripe can forward SPTs to their own vaults or other processors as secure credentialswith the same programmable trust and fraud protection.

What were building for businesses

Through testing with users, businesses have told us they want more control in three areas:

• Controls to structure their product catalog: We want to make it easy for businesses to share real-time product, price, and availability information while staying in control of their brand. To that end, were designing product feeds so businesses can define how their products show up, and even broadcast real-time pricing and availability via AI channels.
• Controls over their brand at checkout: Businesses dont want to be intermediated by AI agents; they want to keep their brand, their upsells, and their customer relationships. Were building a new kind of extensible checkout for agentic commerceone that can be embedded directly inside AI agents, while still letting businesses decide how it looks, what it includes, and how it connects to their systems.
• Controls for customers to manage identity and trust: SPTs allow secure payment details to be passed between AI agents and businesses. Were extending that same foundation to features customers can see and control through Link, a digital wallet built by Stripe. With Link, customers will have a wallet purpose-built for agentic commerce, preserving their identity and purchase history across AI surfaces, supporting accelerated checkouts, and offering controls such as spending limits or explicit permissions for agents. Stripe then validates business identity on one side and confirms buyer identity and authorization on the other.

Looking ahead

To help businesses prepare for agentic commerce and test our solutions in real-world settings, were working with early partners such as Microsoft Copilot, Anthropic, Perplexity, Vercel, Lovable, Replit, Bolt, Manus, and global payments networks.

To get ready for Instant Checkout in ChatGPT or to sell through future AI agents, please contact our team. If you already process payments with Stripe, you will be able to enable agentic payments in your existing integration by updating as little as one line of code. If you currently process with another provider, you can still use Stripe for agentic payments. To learn more, read our docs.

• 2026 Stripe, LLC