Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, announced its support for Google’s Agent Payments Protocol (AP2), which is described as an open, payment-agnostic protocol developed with payments and tech firms to support agent-led payments across various platforms.
The collab extends Affirm’s partnership with Google, which reportedly includes integrations with Google Pay as well as Chrome’s autofill feature.
Stavan Parikh, VP/GM, Payments, Google said:
“For years, we’ve been working with Affirm to help deliver secure, seamless, and innovative payment experiences. 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.”
Affirm’s capabilities extend to this so-called next era of commerce.
The company’s tech works across merchants and platforms – from wallets and browsers to chatbots and AI agents – indicating that BNPL can fit wherever consumers choose to shop. But having BNPL options does not mean that every purchase should be made using these so-called flexible payments options. Consumers must still exercise good judgement at the time of purchase.
That same tech reportedly delivers real-time risk assessment as well as approval at the transaction level, allowing for “immediate access to personalized pay-over-time plans, with terms as low as 0% APR.”
And since Affirm is transparent by design, with no late fees and no hidden fees, consumers are able to borrow in a more responsible manner and merchants gain confidence that “every transaction is set up for success.” However, these claims cannot be fully substantiated and it may be up to the individual borrower to actually be responsible for making sure they complete the payments.
Vishal Kapoor, SVP of Product at Affirm said:
“Consumers deserve maximum value from agent-led commerce — more flexibility, more control, and transparent terms they can trust. That’s what Affirm responsibly delivers today, and extending our work with Google through AP2 will help bring those benefits to life in the next era of shopping.”
By contributing to AP2, Affirm says that it is focused on helping embed BNPL into the architecture of agentic commerce — and shaping a payments ecosystem for greater accountability and more trust.