October 13, 2025

Stripe SPT Explained for AI Commerce

How delegated payments through Stripe SPT power compliant agentic checkout experiences.

Stripe's Secure Payment Tokenization (SPT) program enables platforms to authorize and settle payments on behalf of merchants without exposing card data. For agentic commerce, this is essential—AI platforms need to initiate checkouts while merchants remain the merchant of record.

With SilkAgents you can enable SPT in three steps:

• Provision credentials. We handle the heavy lifting with Stripe provision delegated tokens per marketplace so you don't have to worry about anything.
• Wire payment intents. Your checkout system receives reservation requests, and we translate those into secure payment intents with the right descriptors.
• Reconcile automatically. Settlement reports and fees flow back into your ERP with no CSV uploads.

The result is a checkout experience that feels instant for the customer while maintaining the financial safeguards regulators expect.