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Buy Now, Pay Later (BNPL) providers are embedding themselves into the emerging agentic commerce infrastructure as AI assistants take over shopping. PYMNTS Intelligence research found that 49% of interested consumers would allow an agentic AI assistant to complete both routine and larger research-driven purchases under the right conditions.
This move signals a proactive effort by BNPL firms to remain relevant as AI increasingly manages purchasing processes. Ensuring their services are accessible within automated purchasing is crucial for both the BNPL providers and for commerce developers when integrating payment options.
Affirm Integrates for Transparent AI Shopping
Affirm has integrated its services to ensure shoppers see the total cost upfront and can choose a repayment plan, even when an AI assistant manages the browsing and purchase process. This integration aims to maintain transparency and control for consumers as AI takes on more of the shopping journey.
Klarna Expands Google Partnership, Launches Protocol
Klarna has expanded its partnership with Google to support the Agent Payments Protocol. The company also launched its own Agentic Product Protocol, further solidifying its position in the AI-driven commerce landscape.
The Rise of Agentic Commerce
Agentic commerce refers to AI systems that can handle multiple steps of a shopping journey, from product discovery to purchase. These systems manage comparison, selection, and payment steps, marking a shift from simply directing users to storefronts. AI systems now manage parts of the decision process in conversation.
Background: The integration of BNPL services into agentic commerce platforms is a strategic move to ensure these payment options remain visible and accessible as AI assistants increasingly mediate consumer purchases. This development highlights the evolving relationship between AI, payment solutions, and consumer behavior in the digital marketplace.
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Frequently Asked Questions
Agentic commerce refers to AI assistants that autonomously manage shopping and purchasing decisions on behalf of consumers. BNPL providers are integrating their services into these AI-driven systems to ensure their payment options remain accessible when AI assistants complete purchases, both routine and larger research-driven transactions.
According to PYMNTS Intelligence research, 49% of interested consumers would allow an agentic AI assistant to complete both routine and larger research-driven purchases under the right conditions. This significant adoption rate demonstrates consumer willingness to embrace AI-managed shopping.
Affirm has integrated its services to ensure transparency in the agentic commerce process, allowing shoppers to see the total cost upfront and choose their preferred repayment plan. This approach helps maintain consumer trust and visibility even when AI assistants are handling the purchase process.
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