Shared Payment Tokens (SPT)

import Stripe from 'stripe';
 
const stripe = new Stripe(process.env.STRIPE_SECRET_KEY);
 
// Customer creates a reusable payment method token
// that can be shared with authorized agents
async function createSharedPaymentToken(customerId: string) {
  // Create a SetupIntent for the customer
  const setupIntent = await stripe.setupIntents.create({
    customer: customerId,
    usage: 'off_session',
    metadata: {
      purpose: 'agentic_commerce',
      max_amount: '500.00',
      valid_merchants: 'hyperfold_verified'
    }
  });
 
  // After customer confirms, create the shareable token
  const paymentMethod = await stripe.paymentMethods.retrieve(
    setupIntent.payment_method as string
  );
 
  // Generate SPT for agent use
  const spt = await stripe.tokens.create({
    customer: customerId,
    // SPT includes spending limits and merchant restrictions
  });
 
  return {
    token: spt.id,  // spt_live_abc123...
    expires_at: new Date(Date.now() + 24 * 60 * 60 * 1000),
    constraints: {
      max_single_charge: 500.00,
      allowed_categories: ['retail', 'apparel'],
      requires_confirmation: false  // for amounts < $100
    }
  };
}

# Generate a test SPT for development
$ hyperfold tokenise --amount=100 --currency=usd
 
> [Stripe] Creating test payment token...
> [Config] Max charge: $100.00 USD
> [Config] Expires: 24 hours
> [SUCCESS] Token created: spt_test_abc123xyz
 
# Use in simulation
$ hyperfold sim chat --persona="premium_buyer" --token="spt_test_abc123xyz"

// Seller agent receives SPT and processes payment
async function processAgentPayment(
  sptToken: string,
  amount: number,
  orderId: string
) {
  const stripe = new Stripe(process.env.STRIPE_SECRET_KEY);
 
  // Create PaymentIntent using the SPT
  const paymentIntent = await stripe.paymentIntents.create({
    amount: Math.round(amount * 100), // cents
    currency: 'usd',
    payment_method: sptToken,
    confirm: true,
    off_session: true,  // No customer present
    metadata: {
      order_id: orderId,
      channel: 'agentic_commerce',
      buyer_agent: 'openai_gpt4',
      seller_agent: 'hyperfold_negotiator'
    }
  });
 
  if (paymentIntent.status === 'succeeded') {
    return {
      success: true,
      charge_id: paymentIntent.latest_charge,
      receipt_url: paymentIntent.charges?.data[0]?.receipt_url
    };
  }
 
  throw new Error(`Payment failed: ${paymentIntent.status}`);
}