# Affirm: Agentic commerce

Source: https://www.bankingnewsai.com/fintech/affirm/agentic-commerce
Last updated: Oct 22, 2026

*Part of the [Affirm AI strategy profile](https://www.bankingnewsai.com/fintech/affirm).*

## What is Affirm doing in agentic commerce?

Affirm's agentic commerce work so far is about getting its pay-over-time plans into checkouts that AI agents run, through partners' AI platforms. It announced support for Google's Agent Payments Protocol on October 9, 2025, saying its technology already works across wallets, browsers, chatbots and AI agents. On March 3, 2026 it said it would soon support Stripe's Shared Payment Tokens, which let an AI agent start a purchase with the shopper's permission without exposing credentials; the shopper passes Affirm's real-time eligibility check, picks a plan and completes the purchase inside the AI platform. On May 12, 2026 Affirm began rolling its options into Google Search, including AI Mode, and the Gemini app through Google Pay, showing the full cost, schedule and end date before the shopper commits. Affirm's pitch is that fixed, per-purchase terms suit agents: SVP of Product Vishal Kapoor said products that rely on hidden terms "won't hold up". CEO Max Levchin told American Banker in November 2025 that buying inside a chatbot "kind of wrecks the business model" of merchant upselling, and told analysts in February 2026 that agentic commerce is "still super early", announcing no Affirm button in ChatGPT. Affirm has published no agentic volumes, and its fiscal 2026 10-K does not mention agentic commerce. ([Affirm (Business Wire)](https://www.businesswire.com/news/home/20251009636704/en/), [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260303380950/en/), [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260512751050/en/Affirm-works-with-Google-to-make-AI-shopping-payments-clear-and-simple), [American Banker](https://www.americanbanker.com/payments/news/affirms-max-levchin-discusses-agentic-payments), [earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/02/05/affirm-afrm-q2-2026-earnings-call-transcript/), [Affirm Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1820953/000162828026059279/afrm-20260630.htm))

## Which agentic commerce moves has Affirm made, and how does each work?

In date order. The payment ecosystem page lists these partners; this table adds how an agent-assisted purchase works in each.

| Move | How it works, per Affirm | Date | Sources |
| --- | --- | --- | --- |
| Agent Payments Protocol (Google) | Support for a payment-agnostic protocol for agent-led payments; Affirm says it delivers real-time risk assessment and approval at the transaction level, with terms as low as 0% APR and no late or hidden fees | October 9, 2025 | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20251009636704/en/) |
| Stripe Shared Payment Tokens | Shoppers select Affirm on AI platforms that use the tokens, complete Affirm's real-time eligibility check, choose a plan and complete the purchase within the AI platform; merchants accept the payment on the backend through Stripe | March 3, 2026 | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260303380950/en/) |
| Google Search, AI Mode and Gemini | Affirm appears as a payment option within Google Pay at checkout; after a real-time eligibility check shoppers see the full cost, payment schedule and end date before committing | May 12, 2026 | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260512751050/en/Affirm-works-with-Google-to-make-AI-shopping-payments-clear-and-simple) |
| ChatGPT checkout | Asked whether an Affirm button could appear in ChatGPT's instant checkout, Levchin said "It's possible, but we're making no such announcements right now" and that shoppers may reach Affirm "through the Apple Pay door" | February 5, 2026 | [earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/02/05/affirm-afrm-q2-2026-earnings-call-transcript/) |

## What have Affirm's executives said about AI agents and shopping?

| Statement | Who | When | Sources |
| --- | --- | --- | --- |
| Buying inside a chatbot "kind of wrecks the business model in a couple different ways" by removing the merchant's chance to upsell and build brand equity | Max Levchin, CEO, to American Banker | November 11, 2025 | [American Banker](https://www.americanbanker.com/payments/news/affirms-max-levchin-discusses-agentic-payments) |
| "No AI model is going to pay snooze fees or reminder fees or late fees or fall for deferred interest"; Levchin said he is "talking his own book" because Affirm charges no late fees | Max Levchin | November 11, 2025 | [American Banker](https://www.americanbanker.com/payments/news/affirms-max-levchin-discusses-agentic-payments) |
| "Today, if you search 'Best BNPL provider with no late fees' on ChatGPT, it will tell you, 'You should use Affirm.' That's profoundly a good thing for us" | Max Levchin | November 11, 2025 | [American Banker](https://www.americanbanker.com/payments/news/affirms-max-levchin-discusses-agentic-payments) |
| "I don't want AI telling my consumers, 'Oh yeah, what a great idea. Borrow some more, go into debt'" | Max Levchin | November 11, 2025 | [American Banker](https://www.americanbanker.com/payments/news/affirms-max-levchin-discusses-agentic-payments) |
| Agentic commerce is "very, very early" and "still super early" | Max Levchin, FQ2'26 earnings call | February 5, 2026 | [earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/02/05/affirm-afrm-q2-2026-earnings-call-transcript/) |
| "Affirm was built AI native from the beginning, and this is what we're excited to bring into agentic commerce" | Vishal Kapoor, SVP of Product | March 3, 2026 | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260303380950/en/) |
| "As more decisions are made by AI on people's behalf, products that rely on hidden terms or ambiguity won't hold up" | Vishal Kapoor | May 12, 2026 | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260512751050/en/Affirm-works-with-Google-to-make-AI-shopping-payments-clear-and-simple) |

## How does Affirm handle trust in agent purchases, and what does it not disclose?

Affirm's stated safeguards are its existing credit process and the partners' rails: Stripe's tokens let an agent initiate a purchase using the shopper's permission and preferred payment method without exposing credentials, and on Google's surfaces every Affirm plan goes through a real-time eligibility check with the full cost shown before the shopper commits. ([Affirm (Business Wire)](https://www.businesswire.com/news/home/20260303380950/en/), [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260512751050/en/Affirm-works-with-Google-to-make-AI-shopping-payments-clear-and-simple))

Google's Agent Payments Protocol, which Affirm backed in October 2025, is meant to address authorization (proving a user gave an agent authority to make a specific purchase), authenticity (assuring merchants a request reflects the user's intent) and accountability in cases of fraud or incorrect transactions, PYMNTS reported, citing Google. ([PYMNTS](https://www.pymnts.com/bnpl/2025/affirm-supports-google-ap2-protocol-embed-bnpl-agentic-commerce/))

Levchin has described the limits himself. He told American Banker he would rather an AI assistant tell a shopper to consider saving up and postponing a purchase than encourage more borrowing, and that people will need to give the models "full context into our personal finance" for them to give better advice. ([American Banker](https://www.americanbanker.com/payments/news/affirms-max-levchin-discusses-agentic-payments))

What is not disclosed: purchase volumes or GMV through AI agents, when Stripe token support went live (it was announced as "soon"), how returns and disputes work on agent-initiated Affirm loans, and any regulator engagement on agentic lending. Affirm's fiscal 2026 10-K does not mention agentic commerce or AI agents. ([Affirm (Business Wire)](https://www.businesswire.com/news/home/20260303380950/en/), [Affirm Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1820953/000162828026059279/afrm-20260630.htm))

## What does the Affirm profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| May 12, 2026 | Affirm payments roll into Google AI Mode and Gemini | Affirm began rolling out its pay-over-time options in Google Search, including AI Mode, and the Gemini app when checking out with Google Pay. | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260512751050/en/Affirm-works-with-Google-to-make-AI-shopping-payments-clear-and-simple) |
| Mar 3, 2026 | Stripe Shared Payment Tokens for AI-agent checkout | Affirm said it will soon support Stripe's Shared Payment Tokens so AI agents can offer Affirm pay-over-time plans at checkout without exposing credentials. | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260303380950/en/) |
| Oct 9, 2025 | Affirm backs Google's Agent Payments Protocol | Affirm announced support for Google's AP2, an open protocol for agent-led payments, extending a partnership that already covered Google Pay and Chrome autofill. | [Affirm (Business Wire)](https://www.businesswire.com/news/home/20251009636704/en/) |

## Common questions

### Can AI agents pay with Affirm?

Affirm has announced the routes. It backed Google's Agent Payments Protocol in October 2025, said in March 2026 that it would soon support Stripe's Shared Payment Tokens so shoppers can pick an Affirm plan inside AI platforms, and in May 2026 began rolling out in Google Search, AI Mode and the Gemini app via Google Pay.

### Is Affirm available in ChatGPT checkout?

Not as its own button, as of Affirm's February 5, 2026 earnings call. Asked about it, Max Levchin said it is possible but Affirm was making no such announcements, and suggested shoppers can reach Affirm through Apple Pay. He called agentic commerce still super early.

### How does an Affirm purchase through an AI agent work?

Under the Stripe arrangement Affirm described in March 2026, the shopper selects Affirm on an AI platform that uses Shared Payment Tokens, completes Affirm's real-time eligibility check, picks a payment plan and completes the purchase inside the AI platform, while the merchant receives the payment through Stripe.

### What does Max Levchin think about AI shopping?

He told American Banker in November 2025 that buying inside a chatbot undermines merchants' upselling model, that AI assistants will steer people away from late fees and deferred interest, and that ChatGPT already recommends Affirm when asked for a BNPL provider with no late fees.

### How much agentic commerce volume does Affirm have?

Affirm has not published any. Its releases describe integrations with Google and Stripe, but give no agent-initiated GMV, transaction counts or merchant counts, and its fiscal 2026 annual report on Form 10-K does not mention agentic commerce.
## Deeper on Affirm

- [How does Affirm use AI across its payment ecosystem?](https://www.bankingnewsai.com/fintech/affirm/payment-ecosystem-ai)
- [What is Affirm's role in the digital payments transformation?](https://www.bankingnewsai.com/fintech/affirm/digital-payments-transformation)
- [How does Affirm use AI to make credit decisions?](https://www.bankingnewsai.com/fintech/affirm/credit-decisioning-ai)
- [What is Affirm's AI strategy?](https://www.bankingnewsai.com/fintech/affirm/ai-strategy)

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