---
title: "Shared Payment Token (SPT), defined | Agent Ready Checkout"
description: "Shared Payment Token (SPT): A Stripe token that grants a seller a scoped right to charge a buyer's payment method, with a currency, maximum amount and expiry."
canonical: https://agentreadycheckout.com/glossary/shared-payment-token-spt
site: "Agent Ready Checkout"
last_updated: 2026-11-04
section: "Glossary"
---

# Shared Payment Token (SPT), defined | Agent Ready Checkout

> Shared Payment Token (SPT): A Stripe token that grants a seller a scoped right to charge a buyer's payment method, with a currency, maximum amount and expiry.

Source: https://agentreadycheckout.com/glossary/shared-payment-token-spt
Site: Agent Ready Checkout
Last reviewed: 2026-11-04

Glossary

# Shared Payment Token (SPT)

In short

Shared Payment Token (SPT): A Stripe token that grants a seller a scoped right to charge a buyer's payment method, with a currency, maximum amount and expiry. Shared Payment Token (SPT) appears in 15 sourced facts on this site, the first in Agentic Commerce Protocol (ACP). Example: Stripe charges $0.15 per SPT issued.

## Definition

A Stripe token that grants a seller a scoped right to charge a buyer's payment method, with a currency, maximum amount and expiry.

## Example

Stripe charges $0.15 per SPT issued. [stripe.com](https://stripe.com/pricing), read 4 Nov 2026.

## Where it appears in the sourced facts

-   The ACP site says businesses remain merchant of record and names Stripe as the first compatible PSP through its Shared Payment Token. [agenticcommerce.dev](https://www.agenticcommerce.dev/), read 4 Nov 2026. In [Agentic Commerce Protocol (ACP)](https://agentreadycheckout.com/protocols/acp).
-   Stripe machine payments accept MPP with cards via SPT, USDC.e on Tempo and USDC on Solana; minimums are $0.50 for card SPT payments and 0.01 USDC for stablecoins. [docs.stripe.com](https://docs.stripe.com/payments/machine.md), read 4 Nov 2026. In [Machine Payments Protocol (MPP)](https://agentreadycheckout.com/protocols/mpp).
-   ACP was developed by Stripe and OpenAI; the ACP site names Stripe as the first compatible PSP, via its Shared Payment Token. [agenticcommerce.dev](https://www.agenticcommerce.dev/), read 4 Nov 2026. In [Stripe](https://agentreadycheckout.com/processors/stripe).
-   An SPT is a scoped grant to the seller's Stripe profile with a currency, max amount and expiry; SPT API calls use Stripe-Version 2026-09-30.preview and SPT use is under preview service terms. [docs.stripe.com](https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md?agent-seller=seller), read 4 Nov 2026. In [Stripe](https://agentreadycheckout.com/processors/stripe).
-   In Agentic Commerce Suite's default flow, Stripe shares the catalog with agents, manages checkout, processes the SPT payment and sends checkout.session.completed; the seller fulfills and handles refunds and disputes. [docs.stripe.com](https://docs.stripe.com/agentic-commerce/sellers/use-cases/retail/how-it-works.md), read 4 Nov 2026. In [Stripe](https://agentreadycheckout.com/processors/stripe).

## Nearby terms

-   [Delegated payment](https://agentreadycheckout.com/glossary/delegated-payment)
-   [Payment handler](https://agentreadycheckout.com/glossary/payment-handler)
-   [Machine Payments Protocol (MPP)](https://agentreadycheckout.com/glossary/machine-payments-protocol-mpp)
-   [All terms](https://agentreadycheckout.com/glossary)

## Sources

1.  [stripe.com/pricing](https://stripe.com/pricing), read 4 Nov 2026
2.  [agenticcommerce.dev/](https://www.agenticcommerce.dev/), read 4 Nov 2026
3.  [docs.stripe.com/payments/machine.md](https://docs.stripe.com/payments/machine.md), read 4 Nov 2026
4.  [docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md](https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens.md?agent-seller=seller), read 4 Nov 2026
5.  [docs.stripe.com/agentic-commerce/sellers/use-cases/retail/how-it-works.md](https://docs.stripe.com/agentic-commerce/sellers/use-cases/retail/how-it-works.md), read 4 Nov 2026

Last reviewed 4 Nov 2026

## Edition

Matrix edition of 4 Nov 2026.

Reviewed 4 Nov 2026, [5 sources](#sources-h).

## Method

[How cells, sources and read dates are defined](https://agentreadycheckout.com/method)