Shared Payment Token
A Shared Payment Token is a Stripe mechanism, used within the Agentic Commerce Protocol, that lets an AI agent collect a buyer's payment method, secure it as a token, and pass it to the merchant for processing.
The agent never holds raw card credentials. The buyer's payment method is tokenized, and the merchant processes the transaction through its existing payment provider — keeping control of the payment, the fulfillment, and the customer relationship.
The Shared Payment Token is what allows merchants who do not process payments through Stripe to still participate in ACP-based agentic commerce. It is the trust mechanism that makes agent-initiated payment acceptable to merchants and payment networks.
FAQ
What is a Shared Payment Token?
It is a Stripe mechanism that tokenizes a buyer's payment method so an AI agent can pass it securely to a merchant without exposing raw card data.
Does a merchant need Stripe to use it?
No. The Shared Payment Token lets merchants using other payment providers still participate in ACP agentic commerce.
Related: Agentic Commerce Protocol | Agent Payments Protocol | Agentic Checkout | Agent Trust Layer
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