Klarna and Stripe Prepare Flexible Payments for AI Agents

Klarna’s flexible payment options will soon be available for purchases initiated by artificial intelligence (AI) agents at U.S. merchants that offer Klarna through Stripe.

This capability will be enabled by Stripe’s Shared Payment Tokens (SPTs), a payment tool built for agentic commerce, the companies said in a Tuesday (March 3) press release.

Stripe’s SPTs allow AI agents to use a customer’s preferred payment method to initiate purchases, and Klarna’s integration with SPTs will add its flexible payment options to those available options, according to the release.

Merchants that already offer Klarna through Stripe will be able to offer these options without having to do any additional integration, per the release.

Klarna plans to develop more integrations to ensure customers can use its flexible payment options anywhere they shop, according to the release.

In some other recent moves in this space, Klarna expanded its partnership with Google to support the Agent Payments Protocol (AP2), an open standard designed to enable secure, AI-driven payments; launched an open standard called Agentic Product Protocol that is designed to make products easily discoverable and understandable by AI agents; and announced its support for Google’s Universal Commerce Protocol (UCP), an open source standard designed to synchronize AI agents and retail systems across the digital shopping journey.

“As AI agents begin purchasing on consumers’ behalf, it’s critical that flexible payment options remain available,” Klarna Chief Commercial Officer David Sykes said in the Tuesday press release. “By supporting Stripe’s Shared Payment Tokens, we’re ensuring Klarna is embedded in this next generation of checkout experiences from day one.”

Stripe Head of Payments Kevin Miller said in the release: “By bringing Klarna to agentic transactions, we are helping businesses lift conversion while giving buyers more flexibility and control in how they pay.”

Meanwhile, pay later provider Affirm is expanding its partnership with Stripe.

The expanded collaboration is designed to support Shared Payment Tokens, which allow AI agents to make purchases with a shopper’s permission and preferred payment method without exposing sensitive credentials, the companies announced Tuesday (March 3).

Eventually, the partnership will bring Affirm’s pay-over-time options to checkout in “AI-driven commerce experiences,” the companies said in a news release.

Stripe introduced its Shared Payment Tokens in October. SPTs are programmable by design, reusable and convenient, secure and interoperable, protective against fraud and easy to integrate, Miller wrote at the time in a blog post.

They are among several solutions Stripe introduced in 2025 to prepare for agentic commerce.

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