Microsoft launches chat shopping inside Copilot

Microsoft is introducing a shopping experience within Copilot that uses Stripe to enable users to make purchases within a chat

ContentsMicrosoft and Stripe enable chat checkoutAgentic Commerce Protocol supports merchant controlPayPal and Shopify expand Copilot CommerceThe option allows U.S. consumers to browse and order products without leaving Copilot, which is a move towards AI-based commerce.

Microsoft established that a brand like Etsy and Urban Outfitters will have a built-in checkout flow available to users of Copilot. Its experience is based on the payment infrastructure of Stripe to ensure that transactions are secure and smooth.

Microsoft and Stripe enable chat checkout

Microsoft is introducing a shopping experience within Copilot with Stripe, with a native checkout experience integrated into conversations. A Stripe-powered checkout will be displayed in Copilot when a purchase intent is triggered through a chat.

https://twitter.com/patrickc/status/2009646026907398545?s=20 Stripe claimed that the payment flow is supposed to seem natural and safe. The payment information is entered by the users within the chat itself, without being taken to other websites. Microsoft is using Stripe as a direct payment processor.

It will be based on the Agentic Commerce Protocol, an open AI-driven transaction protocol by Stripe. Once payment details are typed in, Stripe then issues a Shared Payment Token. This enables the payments without having to expose buyer credentials.

Stripe clarified that merchants are the merchant of record and still have access to their customer data. Kevin Miller, the leader of payments at Stripe, explained that AI-based commerce needs new infrastructure, and Stripe is developing it with Microsoft.

Agentic Commerce Protocol supports merchant control

Microsoft is releasing a shopping experience within Copilot, which is a Stripe-based shopping experience, based on the Agentic Commerce Suite. Through the suite, businesses can make their products discoverable by AI agents on platforms.

Stripe stated that the suite enables merchants to handle the checkout, fraud detection, and payments on a single integration. This practice saves on the time spent onboarding and eases operations.

Nayna Sheth, Head of Product in Agentic Payments at Microsoft, stated that the partnership is aimed at a reliable infrastructure that is developed at a rapid rate. She mentioned that it is the aim of seamless discovery and buying in Copilot.

The Agentic Commerce Protocol provides data security for the sensitive buyer information. Shared Payment Tokens enable transactions without allowing direct access to payment credentials.

PayPal and Shopify expand Copilot Commerce

Microsoft is releasing a shopping experience within Copilot that is powered by Stripe, as well as PayPal integration. PayPal accepts merchant inventory, branded checkouts, guest checkouts, and payments with cards.

Michelle Gill, PayPal GM small business and financial services, remarked that the teamwork helps in secure trade between buyers and sellers. She observed that the PayPal agentic commerce tools can supplement the shopping features of Copilot.

Copilot will also bring on board Brand Agents for merchants using Shopify. These agents acquire product catalogs and brand instructions. They assist in providing finer questions about the products and in facilitating brand-based discussions.

It was launched after Stripe had worked on ChatGPT Instant Checkout, which is also based on Agentic Commerce Protocol. Last year, Stripe announced that users in the U.S. started buying the products of Etsy sellers and Shopify store merchants via AI applications.

Will Gaybrick, the Stripe President of Technology and Business, stated that the firm was developing the economic paradigm of AI commerce. The Copilot launch by Microsoft is part of a larger trend in agent-scale transactions.