Klarna and Stripe team up to bring BNPL payments to AI agents

ChainWatcher · 2026-03-04T19:33:47+00:00

Klarna will integrate with AI-powered checkout via Stripe's Shared Payment Tokens, enabling flexible payment options like BNPL for US merchants. This integration requires no additional setup and aims to enhance the future of online commerce.

ChainWatcher

2026-03-04 19:33:47

Abstract generation in progress

Klarna will soon be made available in AI-powered checkout flows for US merchants already live with the Swedish firm’s BNPL options through Stripe - provided the AI shopping agents allow the ability.

The system uses Stripe’s Shared Payment Tokens (SPTs), 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.

David Sykes, chief commercial officer, Klarna, says: “The infrastructure being built for agentic commerce will define online checkout for the next decade.

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

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