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# Stripe \[Cards, wallets, and other Stripe supported payment methods]

The Stripe payment method enables payments using [Shared Payment Tokens (SPTs)](https://docs.stripe.com/agentic-commerce/concepts/shared-payment-tokens)—tokens that allow a client to share a customer's payment method with your Stripe account, with configurable expiration and usage limits. SPTs provide you basic visibility into the payment method (such as card brand and last four digits), while keeping the customer's actual payment details separate.

Both the client and server need a Stripe account. The client creates an SPT using the Stripe API or Stripe.js, and the server consumes it to create a Stripe `PaymentIntent`.

:::info[Stripe account setup]
Machine payments must be enabled on your Stripe account before you can accept MPP payments. [Request access](https://docs.stripe.com/payments/machine#sign-up) through the Stripe Dashboard.
:::

To learn more, read the [Stripe documentation](https://docs.stripe.com/payments/machine/mpp) on accepting MPP.

:::tip[For agents]
Use the [Link CLI](/tools/wallet#link-cli) to pay for `stripe.charge` services from a Link wallet without writing integration code. `link-cli mpp pay` handles the full 402 → SPT → retry flow automatically.
:::

## How it works

```mermaid
sequenceDiagram
  participant Client
  participant Server
  participant Stripe
  Client->>Server: (1) GET /resource
  Server-->>Client: (2) 402 + Challenge
  Client->>Stripe: (3) Create SPT from Challenge
  Stripe-->>Client: (4) spt_...
  Client->>Server: (5) GET /resource + Credential
  Server->>Stripe: (6) Create PaymentIntent (using SPT)
  Stripe-->>Server: (7) pi_...
  Server-->>Client: (8) 200 OK + Receipt

```

1. **Server** responds with `402` and a Challenge containing the amount, currency, and Stripe method details (Business Network profile, allowed payment method types).
2. **Client** collects a payment method (via Stripe Elements or a stored method), then creates an SPT through the Stripe API with usage limits matching the Challenge.
3. **Client** sends a Credential containing the SPT.
4. **Server** creates a Stripe `PaymentIntent` using the SPT and confirms it.
5. **Server** returns the resource with a Receipt referencing the `PaymentIntent`.

## Intents

[Charge](/payment-methods/stripe/charge) — One-time payment using Shared Payment Tokens (SPTs)