# Shared payment tokens

Grant and receive scoped payment credentials for agent-initiated purchases.

Shared payment tokens (SPTs) grant sellers scoped access to customers’ payment methods for agent-initiated purchases. SPTs are available to agents, customers, and sellers in the US, Canada, and select European countries.

### View all supported countries

- AT
- BE
- BG
- CA
- CH
- CY
- CZ
- DE
- DK
- EE
- ES
- FI
- FR
- GB
- GI
- GR
- HR
- HU
- IE
- IT
- LI
- LT
- LU
- LV
- MT
- NL
- NO
- PL
- PT
- RO
- SE
- SI
- SK
- US

# Sellers


As the seller, you receive a [shared payment token (SPT)](https://docs.stripe.com/api/shared-payment/granted-token.md) from the agent. An SPT is a scoped grant to use the customer’s payment method. The agent grants SPTs to your [Stripe profile](https://docs.stripe.com/get-started/account/profile.md), each with usage and expiration limits.

Payment method registration and processing (See full diagram at https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens)

```text
[Customer] -- Submits PaymentMethod --> [Agent]
[Agent] -- Issues SharedPaymentToken --> [Stripe]
[Agent] -- Sends SharedPaymentToken --> [Seller]
[Seller] -- Creates PaymentIntent with SharedPaymentToken --> [Stripe]
[Stripe] -- Processes transaction --> [Customer]
```

## Before you begin

- By using SPTs, you agree to the [terms of service](https://stripe.com/legal/ssa-services-terms#stripe-agentic-commerce-seller-services-preview).
- If you don’t already have a Stripe account, [create one](https://stripe.com/register).
- Create your [Stripe profile](https://docs.stripe.com/get-started/account/profile.md) in the Dashboard.

## Test receiving an SPT

Use test helpers to simulate receiving an SPT granted by the agent. The following request grants your account an SPT using a test payment method and simulates limits that agents might set, such as currency, maximum amount, and expiration window.

```curl
curl https://api.stripe.com/v1/test_helpers/shared_payment/granted_tokens \
  -u "<<YOUR_SECRET_KEY>>:" \
  -H "Stripe-Version: 2026-04-22.preview" \
  -d payment_method=pm_card_visa \
  -d "usage_limits[currency]=usd" \
  -d "usage_limits[max_amount]=1000" \
  -d "usage_limits[expires_at]=1798761600"
```

### Set usage limits

Use the `usage_limits` parameter to specify the maximum amount and expiration window. The agent sets the maximum amount to match the total amount of the transaction.

### Specify the payment method

Use the `payment_method` parameter to specify the payment method the customer selected for the purchase.

## Test your live mode integration

To test your integration in live mode, use the [link-cli](https://link.com/agents) to issue SPTs from your personal Link account. The `link-cli` can provision one-time shared payment token credentials. Follow the instructions at [link.com/agents](https://link.com/agents) to install the `link-cli` skills or register it as an MCP server in your preferred agent.

1. Log in to your personal Link account, or [sign up](https://app.link.com) if you don’t have one.

```bash
npx @stripe/link-cli auth login
```

1. Choose the payment method you want to use. If you don’t already have one, [add a payment method](https://app.link.com/wallet).

```bash
npx @stripe/link-cli payment-methods list
```

1. Create a spend request to issue a one-time SPT scoped to your business profile.

```bash
npx @stripe/link-cli spend-request create \
  --payment-method-id csmrpd_xxx \
  --context "Machine payments with SPTs in live mode" \
  --amount 100 \
  --credential-type shared_payment_token \
  --network-id profile_... \
  --request-approval
```

## Use a shared payment token

After you receive a granted `SharedPaymentToken`, create a `PaymentIntent` to complete the payment.

```curl
curl https://api.stripe.com/v1/payment_intents \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d amount=1000 \
  -d currency=usd \
  -d "payment_method_data[shared_payment_granted_token]=spt_123" \
  -d confirm=true
```

When you confirm a `PaymentIntent` with the SPT, Stripe sets `payment_method` to a new `PaymentMethod` cloned from the customer’s original payment method. Subsequent events, such as refunds and reporting, behave as if you provided the `PaymentMethod` directly.

Retrieve details about the granted `SharedPaymentToken`, including limited information about the underlying payment method, such as the card brand, last four digits, and usage limits.

```curl
curl https://api.stripe.com/v1/shared_payment/granted_tokens/spt_123 \
  -u "<<YOUR_SECRET_KEY>>:" \
  -H "Stripe-Version: 2026-04-22.preview"
```

```
{
  "id": "spt_123",
  "object": "shared_payment.granted_token",
  "created": 1751500820,
  "deactivated_at": null,
  "deactivated_reason": null,
  "usage_limits": {
    "currency": "usd",
    "expires_at": 1791605043,
    "max_amount": 1000
  }
  ...
}
```

### Listen for webhook events 

We send events to you and the agent when:

- You use a granted SPT to accept a payment.
- The agent revokes a granted SPT. You can’t create a payment with a revoked SPT.

| Event                                      | Description                                                   | Use case                                                          |
| ------------------------------------------ | ------------------------------------------------------------- | ----------------------------------------------------------------- |
| `shared_payment.granted_token.deactivated` | The SPT has been deactivated (consumed, expired, or revoked). | Listen for this event to know when you can no longer use the SPT. |