Affirm Brings Pay-Over-Time Options to Google AI Platforms

Affirm’s pay-over-time options will be integrated into the Gemini app and Google Search, including AI Mode, through Google Pay in the coming weeks.

The companies are working together on the integration and will make the payment options available to people and artificial intelligence agents, according to a Tuesday (May 12) press release.

“From day one, Affirm was built around clear terms and transparency, so people can confidently use credit for specific purchases without worrying about fine print or surprises,” Vishal Kapoor, senior vice president of product at Affirm, said in the release. “As more decisions are made by AI on people’s behalf, products that rely on hidden terms or ambiguity won’t hold up—the ones that are clear and predictable will.”

When the integration is live, shoppers using Google Search or the Gemini app will see Affirm as a payment option within Google Pay at checkout. When they choose Affirm, they will go through a real-time eligibility check; see the full cost, payment schedule and end date; and then choose the plan that works best for them, according to the release.

“Our work with Affirm brings transparent, flexible payment options into these new journeys, so as shopping evolves, people can continue to make decisions with confidence,” Ashish Gupta, vice president and general manager of merchant shopping at Google, said in the release.

Affirm also said in the release that it has developed an early version of BNPL extensions for the Universal Commerce Protocol (UCP) open standard for agentic commerce and is hosting the extension on its site to gather feedback and refine development.

Agentic credit is rewriting the rules of consumer lending, Affirm President Libor Michalek told PYMNTS CEO Karen Webster in an interview posted in April.

Affirm’s business model of underwriting at the transaction level, repricing risk in real time and surfacing the full cost upfront will be scaled into the next era of consumer lending by agentic credit, Michalek said.

“The most impactful moment in time when you can communicate and interact with a customer about their finances is when they’re trying to make a purchase,” Michalek said.

In another recently announced move, Affirm and Stripe said in March that they expanded their partnership to support shared payment tokens that allow AI agents to make purchases with a shopper’s permission and preferred payment method without exposing sensitive credentials.

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