Stripe Helps Power A New Shopping Experience In Microsoft Copilot

When a Copilot conversation naturally leads to a shopping experience, a Stripe-powered checkout may appear natively within the chat. To populate the checkout, Microsoft communicates with Stripe through an integration. Stripe then connects with the seller via the Agentic Commerce Protocol, an open standard for agentic commerce codeveloped by Stripe. After the buyer provides their payment credentials, Stripe issues a Shared Payment Token, a primitive that facilitates payments without exposing the buyer’s credentials. Stripe then passes this token to the seller, who can process the transaction through Stripe or, if they prefer, with another payment provider while still benefiting from Stripe’s risk signals for fraud protection. The seller remains in control of the data as the merchant of record.

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“AI is changing how commerce works, and as with every technology shift, it needs new infrastructure. Stripe is building that infrastructure, and Microsoft is putting it to use by enabling commerce inside Copilot,” said Kevin Miller, head of payments at Stripe.

“With Copilot, we want to make discovering and purchasing products as effortless as possible. As we bring new AI-powered experiences to life, we are collaborating with Stripe to provide the reliable and fast-improving infrastructure that makes this new era of AI-powered commerce possible,” said Nayna Sheth, head of product for agentic payments at Microsoft.

To onboard more merchants faster, Microsoft will work with Stripe to integrate the Agentic Commerce Suite, a solution that helps businesses make their products discoverable to AI agents and handle checkout, fraud protection, and payments through a single integration.

Microsoft has been Stripe’s customer since 2022, when it began using Stripe to power payments. Later, Microsoft adopted Stripe Connect to handle payment acceptance and identity verification for its marketplace initiatives.