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Affirm contributes to Google’s payment-agnostic AP2 Protocol by embedding BNPL into agentic commerce architecture; with transparent pricing and transaction-level approval for agent-led payments across platforms

October 12, 2025 //  by Finnovate

Affirm announced its support for Google’s Agent Payments Protocol (AP2), an open, payment-agnostic protocol developed with leading payments and technology companies to securely support agent-led payments across platforms. The collaboration extends Affirm’s long-standing partnership with Google, which also includes integrations with Google Pay and Chrome’s autofill feature. Affirm’s capabilities naturally extend to this next era of commerce. The company’s technology already works across merchants and platforms – from wallets and browsers to chatbots and AI agents – proving BNPL can fit seamlessly wherever consumers choose to shop. That same technology delivers real-time risk assessment and approval at the transaction level, enabling immediate access to personalized pay-over-time plans, with terms as low as 0% APR. And because Affirm is transparent by design, with no late fees and no hidden fees, consumers borrow responsibly, and merchants gain confidence that every transaction is set up for success. By contributing to AP2, Affirm is helping embed BNPL directly into the architecture of agentic commerce — and shaping a payments ecosystem designed for accountability and trust. Stavan Parikh, VP/GM, Payments, Google said, “Their contributions to shape Agent Payments Protocol exemplify the critical cross-industry collaboration needed to build open, secure, and scalable frameworks to enable the future of commerce.”

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Category: Essential Guidance

Previous Post: « Embedded payments are seeing rising adoption in the parking sector through AI-recognition tech that lets customers just drive in and scan a QR code to enter their credit card information the first time they park, with automatic vehicle identification and charges applied on subsequent trips

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