Stripe has just launched a new Agentic Commerce Suite to help merchants sell directly to AI-driven shopping agents. In the era of agentic commerce, autonomous AI assistants can handle product discovery and purchases on users’ behalf. To make it easy for businesses to sell to AI agents, Stripe agentic commerce suite is a one-stop solution that makes your products discoverable, simplifies checkout, and enables agentic payments through a single integration.

Major brands and platforms are already on board: Stripe names retailers such as Kate Spade, Coach, URBN, and Ashley Furniture, and e-commerce platforms such as Squarespace, Wix, Etsy, WooCommerce, commercetools, and BigCommerce among the first adopters.

What Is Agentic Commerce?

At its core, agentic commerce means letting AI agents act autonomously on shoppers’ behalf. Instead of passive recommendations, AI assistants proactively find, compare, and even buy products for the user. Agentic commerce is AI that acts on behalf of users or businesses to manage tasks such as personalized recommendations and order placement. This involves granting AI assistants access to your product catalog and checkout to complete purchases.

Stripe and OpenAI have taken a leading role here: they co-developed an open standard, the Agentic Commerce Protocol (ACP), to enable this direct interaction. ACP provides a standard set of APIs for product feeds, checkouts, and delegated payments, enabling any AI platform (such as a chatbot or voice assistant) to interface with any merchant’s systems.

It is open-source (Apache 2.0) and “easy to adopt,” integrating with existing payment processors and back-end systems while ensuring merchants retain all their usual controls. Merchants remain the “merchant of record”: the seller still owns the customer relationship, handles fulfillment, and has access to all order details. All told, the ACP enables ChatGPT and other AI tools to serve as virtual shopping assistants: Stripe powers ChatGPT’s new “Instant Checkout” feature on Etsy and Shopify via ACP, enabling in-chat purchases.

Stripe Agentic Commerce Suite Features

Stripe’s Agentic Commerce Suite bundles several components to connect a merchant with AI shopping channels through a single integration. Key features include:

• AI-Ready Product Feeds:

Merchants receive a hosted ACP product endpoint to upload or link their catalog. Stripe then syndicates product data (title, price, availability, etc.) to multiple AI agents simultaneously. In other words, your inventory becomes AI-discoverable across all participating platforms without building a custom feed for each one.

Stripe handles the connectors – with one click, you can automatically start taking payments across any supported agent. Behind the scenes, this uses the Agentic Commerce Protocol’s Product Feed spec to ensure everything stays in near-real-time sync.

• Streamlined Checkout Integration:

The Suite uses Stripe’s Checkout Sessions API to handle agentic checkouts. Once a customer (or an AI agent) selects items, Stripe automatically calculates taxes and shipping and validates the order. Merchants can choose to let Stripe calculate these (via Stripe Tax and other built‑in products) or integrate their own tax/shipping logic with minimal coding.

After checkout, the order is handed back to the merchant’s existing system for fulfillment. Crucially, the merchant remains in control: they retain merchant-of-record status, handle payments, and manage post-order steps such as refunds and disputes using their usual processes.

• Shared Payment Tokens (SPTs) & Fraud Protection:

A novel part of the suite is the Shared Payment Token, a secure proxy for the buyer’s payment method. When a customer authorizes an AI agent to purchase on their behalf, the agent does not receive the customer’s raw card or account information. Instead, Stripe generates a token scoped to that one purchase, merchant, time window, and amount.

The AI agent uses this SPT to initiate the charge, without exposing the buyer’s credentials. This limits abuse: tokens are single-purpose and observable, reducing the risk of unauthorized charges or disputes. Plus, Stripe’s Radar fraud system analyzes these payments for AI-specific risk signals. In effect, Stripe relays the underlying risk signals – including stolen card or bot patterns – to help differentiate between high-intent agents and malicious bots.

• Modularity & Existing Systems:

Every component of the suite is optional and pluggable. A merchant can adopt just the product feed or the complete checkout and payment stack, depending on their needs. Importantly, the integration sits on top of the merchant’s current e-commerce platform and order system, so there’s no need to rebuild everything from scratch.

You connect your product catalog to Stripe, then select which AI agents to sell through. All the agent interactions (catalog queries, carts, charges) funnel through Stripe’s APIs, which then hand off orders to the merchant’s back-end. This lets businesses expand into AI-driven channels while keeping their existing shopping cart, inventory, and fulfillment logic intact.

Early Adopters and Partners

Leading retailers and platforms are already testing the waters. Stripe explicitly lists Coach, Kate Spade, URBN (Anthropologie/Free People/Urban Outfitters), Ashley Furniture, Revolve, Abt Electronics, Halara, Nectar, and others as early users of the Suite. Several e-commerce platforms have built integrations on day one: for example, Etsy, Wix Payments, and Squarespace all confirm they can now surface merchants’ items to AI agents via Stripe.

Commerce parent (BigCommerce) and enterprise platforms like commercetools have similar announcements. Merchants (brands like Perry Ellis and Cole Haan) will gain seamless access to AI-driven discovery, checkout, and payments through a single Stripe integration. What once took months of bespoke engineering is now possible with a single, configurable integration – enabling merchants to unlock AI-driven discovery and checkout flows without reworking their systems.

Opportunities for E-Commerce

Proponents say agentic commerce could open up powerful new revenue streams. Many consumers already use AI tools to research what to buy, and surveys suggest a meaningful share of U.S. adults used AI for shopping in 2025. The idea is that autonomous “shopping agents” are beginning to handle parts of the journey, such as comparing options, selecting items, and completing transactions.

The upside could be huge at a global scale. Some projections suggest AI agents could lift e-commerce conversion rates by roughly 1.5-2.5 percentage points, translating into hundreds of billions of dollars in additional sales worldwide. Other forecasts estimate U.S. “agentic” spending alone could reach hundreds of billions by 2030.

In practical terms, this would give merchants of all sizes a new sales channel: AI shopping assistants. Solutions in this space are being built to scale to millions of users across AI products. Early feedback has been encouraging, with some reporting that a large share of small and mid-size businesses have already seen AI agents complete purchases on behalf of customers.

Consumers are warming up to the idea as well. Research indicates that nearly half of shoppers would consider using an AI agent for routine purchases, with willingness notably higher among people aged 25-44. That points to real demand for low-effort, automated shopping experiences. Industry experts argue AI could make shopping feel more personalized and intuitive, improving efficiency and reducing the need for endless searching.

Early adopters are betting this translates into higher conversion and larger basket sizes. By making product catalogs accessible to assistants such as ChatGPT, Alexa, and others, merchants can capture purchases that would otherwise be lost. Shared product feeds and streamlined checkout could enable customers to buy directly within a chat or voice conversation, instead of navigating to a website and completing a manual checkout. Overall, many observers believe that agentic commerce is moving beyond hype toward a tangible sales channel that could meaningfully reshape online shopping.

Security and Trust Challenges

However, there are real perils and concerns to address. Many businesses and consumers remain wary of letting an AI “click buy” without supervision. The core tension is evident: companies want AI-driven growth, but with safeguards in place. Some enterprise leaders have been blunt: they want to participate early without rebuilding core systems, which makes it essential that security and control measures are built in from the start. Others emphasize that this innovation must be simplified, secure, and scalable, or merchants won’t adopt it with confidence.

Concrete worries are easy to understand. A significant share of businesses say they would be concerned if AI agents started buying on behalf of consumers. The central reservations tend to cluster around security (protecting payment credentials and sensitive data), fraud prevention, and dispute resolution.

Without the right tools, the idea of “robot” shopping can feel risky. Malicious bots could exploit loopholes, automate card testing, or generate high-volume, hard-to-resolve transactions. Consumers share that hesitation: only a small minority report having allowed an AI assistant to complete a purchase, and an even smaller fraction says they’re interested in doing so. Many people still prefer the control and visibility of completing checkout themselves.

To reduce these risks, payment platforms are building guardrails designed specifically for agent-driven purchases. One approach is tokenization, which prevents agents from ever seeing raw card details and tightly constrains a payment to a specific, intended transaction. Another is enhanced fraud screening that looks for patterns common to automated or agentic behavior. Systems can also be designed to keep merchants in the loop – such as requiring order approval steps or adding verification points – so purchases don’t become fully automated “blind buys.”

Even with these protections, trust will likely take time to build. Familiarity tends to reduce anxiety: people and businesses get more comfortable once safeguards prove themselves in real-world use. For now, the most realistic stance is cautious optimism – embrace AI as a promising new channel, but pair it with strong transactional security, fraud defenses, and transparent processes for disputes and accountability.

Conclusion

Stripe’s Agentic Commerce Suite is a clear sign that AI shopping agents are moving from concept to reality. By co-developing an open standard with an AI partner and offering a turnkey integration, Stripe is lowering the barrier for merchants to reach customers through AI assistants. Early trials across well-known retailers and major commerce platforms suggest that both large brands and smaller sellers are eager to experiment.

If AI agents can deliver truly frictionless shopping – discovering products, answering questions, and completing checkout inside a conversation – merchants that adapt early could gain a meaningful edge. But adoption will hinge on trust. Strong security controls, transparent user consent, and apparent dispute and returns processes will be essential to making merchants and consumers comfortable with AI-assisted purchasing.

For now, Stripe is positioning the Suite as a measured step forward: enabling AI-driven transactions while emphasizing safety and reliability. The near term will test whether agentic commerce can meet expectations quickly, or whether both shoppers and businesses will need more time – and more proven safeguards – before they embrace it at scale.

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