Stripe supports in-chat shopping through Microsoft Copilot

Stripe has announced a new collaboration with Microsoft to support an in-chat shopping experience within Microsoft Copilot, allowing users in the United States to purchase products without leaving the conversation. The new capability, called Copilot Checkout, enables users to buy items from Etsy sellers as well as retailers such as Urban Outfitters and Anthropologie directly inside the Copilot interface.

The integration is designed to surface a checkout flow when a Copilot conversation naturally progresses towards a shopping intent. Instead of redirecting users to an external website, the checkout experience appears natively within the chat, reducing friction and shortening the path from discovery to purchase. Stripe provides the underlying payment infrastructure that enables this experience to function securely and at scale.

Microsoft connects with Stripe through a direct integration to populate the checkout experience. From the user’s perspective, the process remains within Copilot, while behind the scenes Stripe coordinates payment processing, security, and merchant connectivity. This approach reflects a broader shift towards conversational commerce, where transactions are embedded directly into AI-driven interactions rather than traditional e-commerce flows.

How Copilot Checkout works behind the scenes

When a user chooses to make a purchase, Stripe facilitates the transaction through its Agentic Commerce Protocol, an open standard co-developed by Stripe to support commerce conducted by AI agents. Stripe acts as the intermediary between Microsoft and the seller, ensuring that payment data is handled securely while preserving merchant control.

Once a buyer submits their payment details, Stripe issues a Shared Payment Token. This token allows the transaction to be completed without exposing the buyer’s sensitive payment credentials to either Microsoft or the seller. The token is passed to the merchant, who can process the payment through Stripe or opt to use another payment provider while still benefiting from Stripe’s fraud detection and risk signals.

Importantly, the seller remains the merchant of record and retains control over customer data. Stripe’s role is to provide the infrastructure layer that enables the transaction, rather than owning the commercial relationship. This design is intended to give merchants flexibility while maintaining consistent security and compliance standards across the ecosystem.

Expanding agentic commerce across platforms

Stripe positioned the Copilot Checkout integration as part of a broader effort to build economic infrastructure for AI-driven commerce. Kevin Miller, head of payments at Stripe, said that new forms of commerce driven by AI require new foundational systems to support them. He noted that Stripe is building this infrastructure, while Microsoft is applying it to enable transactions directly within Copilot.

Microsoft echoed this view, highlighting its goal of making product discovery and purchasing as seamless as possible. Nayna Sheth, head of product for agentic payments at Microsoft, said the collaboration with Stripe supports the creation of reliable, fast-evolving infrastructure needed for AI-powered commerce experiences.

To accelerate merchant adoption, Microsoft plans to work with Stripe to integrate the Agentic Commerce Suite. This solution is designed to help businesses make their products discoverable to AI agents while managing checkout, payments, and fraud protection through a single integration. The aim is to reduce the technical complexity for merchants looking to participate in AI-led shopping experiences.

The announcement builds on an existing relationship between the two companies. Microsoft has been a Stripe customer since 2022, initially using Stripe to power payments before later adopting Stripe Connect for payment acceptance and identity verification in its marketplace initiatives. The Copilot Checkout launch also follows Stripe’s recent involvement in powering Instant Checkout within ChatGPT, reinforcing its focus on enabling commerce within conversational AI environments.