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Two consequential trends in payments are converging as Affirm and Klarna begin working with Stripe to enable AI agents to initiate buy now, pay later (BNPL) purchases. The integration uses Stripe's Shared Payment Tokens, allowing agent-assisted shopping without exposing sensitive payment credentials. According to Viraj Gupta, Product Manager for Cards Vault at Stripe, the system supports both agentic network tokens and BNPL tokens within a single integration.
Merchants offering BNPL through Stripe may see revenue increases up to 14%, along with higher conversion rates and average order values. Affirm and Klarna together serve nearly 150 million users worldwide, giving the move broad user reach.
A primary motivation for BNPL providers is defensive: ensuring installment options remain available when purchases are made by bots rather than humans. "You could assume that the same percentage of buyers who use BNPL today will want to use it with agentic commerce," said Don Apgar, Director of Merchant Payments at Javelin Strategy & Research. "Secondarily, nobody can use BNPL if those payments options aren’t available in agentic commerce."
Agentic commerce is currently a small segment but has promising use-cases in commoditized goods, gift selection, and travel aggregation where AI agents can add value. For example, an AI agent could help purchase commodity items like paper towels based on price, or narrow gift choices based on recipient details. Travel aggregation sites like Trivago and Expedia already compare options, making them ripe for BNPL-enabled agentic purchases. BNPL and payment attributes can be framed as explicit purchase requirements in agent prompts. As Apgar illustrated: "Find and purchase the highest-rated office chair with the best back support that costs less than $400, can be delivered within 10 days, and I can pay for in four installments with no interest." This demonstrates how payment options can serve as purchase requirements alongside product attributes.
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