Affirm, a payment network, has extended its partnership with Google as a supporter of the Agent Payments Protocol (AP2).
This extension builds on Affirm’s existing collaboration with Google, which includes integrations with Google Pay and Chrome’s autofill feature.
Agent Payments Protocol
The Agent Payments Protocol (AP2) is an open, payment-agnostic protocol developed by Google in partnership with various payments and technology companies. It aims to support agent-led payments securely and efficiently across different platforms. Affirm’s contribution will help embed BNPL directly into the architecture of agentic commerce, fostering a payments ecosystem designed for trust and accountability.
Enhancements Through Technology
Affirm’s technology operates across various merchant platforms, including wallets, browsers, chatbots, and AI agents. It provides real-time risk assessment and approval at the transaction level, enabling instant access to personalized and secure pay-over-time plans with terms as low as 0% APR.
Impact on the Ecosystem
Affirm’s contributions are expected to shape AP2 in a way that ensures security and scalability. This is crucial for developing open, safe, and expandable frameworks that support growth within the agent-led commerce landscape. Customers can expect enhanced value from agent-led commerce with more flexibility, control, and transparent terms they can trust.
Agent Payments Protocol Background
The Agent Payments Protocol was launched in September 2025 by Google as an extension of the Agent2Agent (A2A) protocol and Model Context Protocol (MCP). It is based on industry standards, providing a payment-agnostic framework for users, merchants, and payment providers to transact more efficiently across various payment methods. Google collaborated with over 60 organizations including Adyen, American Express, Ant International, Coinbase, Etsy, Forter, Intuit, JCB, Mastercard, Mysten Labs, PayPal, Revolut, Salesforce, ServiceNow, UnionPay International, and Worldpay to advance agentic payments.
