Klarna, the global digital bank and flexible payments provider, announced that its flexible payment options will soon be supported in AI agent-driven shopping experiences through Stripe?s Shared Payment Tokens (SPTs), making Klarna available in AI-powered checkout flows for US merchants already live with Klarna through Stripe, provided AI shopping agents allow the ability to offer flexible payments at checkout. The integration addresses a growing gap in agentic commerce: AI shopping agents have been defaulting to card-on-file payments by design, effectively freezing out alternative payment methods, including BNPL, from automated checkout flows which leaves consumers with less choice. Stripe's SPTs are a payment tool built specifically for agentic commerce, allowing AI agents to initiate purchases using a customer's preferred payment method, without ever seeing the customer's actual payment details.
Klarna's participation means flexible payments options like BNPL will soon be able to pass through that same permissioned layer. For merchants already offering Klarna through Stripe, no additional integration is required. As AI agents increasingly purchase on consumers' behalf, Klarna is ensuring consumers can continue to use their interest-free payments everywhere for everything, with more integrations to come.
