---
schema: 1
type: term
title: shared payment token (SPT)
description: >-
  A **shared payment token (SPT)** is a Stripe payment credential for agentic
  commerce that passes a consumer’s payment credentials merchant-ward so an
  agent can make a purchase **without the agent ever seeing those credentials**.
  [^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@3139]
canonical: >-
  https://liquidgold.cc/channel/everyinc/explore/term/shared-payment-token-spt-6f6f98a5acc4
markdown: >-
  https://liquidgold.cc/channel/everyinc/explore/term/shared-payment-token-spt-6f6f98a5acc4.md
llms: null
parent: 'https://liquidgold.cc/channel/everyinc/llms.txt'
channel: everyinc
updated: '2026-10-23T22:12:35.346Z'
language: null
children: []
---


# shared payment token (SPT)

Canonical: https://liquidgold.cc/channel/everyinc/explore/term/shared-payment-token-spt-6f6f98a5acc4

Parent: [Channel index](https://liquidgold.cc/channel/everyinc/llms.txt)

## Definition

A **shared payment token (SPT)** is a Stripe payment credential for agentic commerce that passes a consumer’s payment credentials merchant-ward so an agent can make a purchase **without the agent ever seeing those credentials**. [^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@3139]

In Stripe’s vision of **agentic commerce**, a consumer’s payment credentials should never pass through the agent itself. A **shared payment token (SPT)** is a credential that passes *merchant-ward* — from the consumer’s wallet toward the merchant — **without the agent ever seeing the underlying payment details**[^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@3139]. Emily Glassberg Sands groups SPTs with Stripe’s **Agent Commerce Protocol** and its **Link wallet** as the payment infrastructure being rebuilt so agents can transact[^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@2760]. The Link wallet complements SPTs by letting consumers decide **which agents may request credentials and under what limits**[^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@3139].Agents are becoming a new class of internet actor, forcing **identity, payments, and fraud** layers to be rethought[^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@96]. SPTs are Stripe’s answer on the payment side: they keep the human cardholder in control while still letting an agent complete a purchase on their behalf.- An SPT carries payment credentials merchant-ward without exposing them to the agent. - It is part of Stripe’s **Agent Commerce Protocol** work with OpenAI[^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@2760]. - Stripe’s **Link wallet** lets consumers set which agents can request credentials and under what limits[^90e39a1e-87e8-5b3f-b9f2-f003e83fd62b@3139].