Product & Solutions
Learn more about the only open payments platform built for global commerce
Solutions
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Platform Pillars
The unified orchestration layer for wallets and alternative payments
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The secure repository for all your payment methods
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Workflow-driven payments intelligence for smarter routing and higher auth rates
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A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
One integration to sell inside ChatGPT, Gemini, and every agentic platform
View How Spreedly
Product & Solutions
Learn more about the only open payments platform built for global commerce
Solutions
Platform Pillars
The unified orchestration layer for wallets and alternative payments
The secure repository for all your payment methods
Workflow-driven payments intelligence for smarter routing and higher auth rates
A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
One integration to sell inside ChatGPT, Gemini, and every agentic platform
View How Spreedly
The Open Payments Library
Take a look at all of our resources and get the information you need to grow your business
Spreedly Makes Agentic Commerce a Live Channel for Merchants
Read MoreProduct & Solutions
Learn more about the only open payments platform built for global commerce
Solutions
Platform Pillars
The unified orchestration layer for wallets and alternative payments
The secure repository for all your payment methods
Workflow-driven payments intelligence for smarter routing and higher auth rates
A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
One integration to sell inside ChatGPT, Gemini, and every agentic platform
View How Spreedly
The Open Payments Library
Take a look at all of our resources and get the information you need to grow your business
Spreedly Makes Agentic Commerce a Live Channel for Merchants
Read MoreProduct & Solutions
Learn more about the only open payments platform built for global commerce
Solutions
Platform Pillars
The unified orchestration layer for wallets and alternative payments
The secure repository for all your payment methods
Workflow-driven payments intelligence for smarter routing and higher auth rates
A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
One integration to sell inside ChatGPT, Gemini, and every agentic platform
View How Spreedly
White Paper
36% of Shoppers Will Already Let AI Spend Their Money. Nobody Owns Their Trust Yet.
We asked 2,000 Americans if they'd let AI spend money on their behalf. 36% said yes right now. Another 23 to 26% are one good guardrail away. And 42% haven't picked a single company they'd trust to do it, with the front-runner sitting at just 13%. The category is forming as you read this, and the next 18 months decide who defines it. The question isn't whether shoppers will hand over the wallet. It's who they'll hand it to.
In this report, you'll learn:
Why 36% of shoppers will already let AI spend without approval, and who the 23 to 26% "conditional middle" is
Which shoppers move first: Gen Z, higher-income households, and busy parents
What holds shoppers back, and who they blame when an AI purchase goes wrong
The three paths to 2027, and the build order that wins the window
The Agentic Window Is Wide Open. It Won't Stay That Way.
The State of Checkout 2026 is Spreedly's consumer research report, built on a Talker Research survey of 2,000 US adults. It shows who's ready for AI-assisted checkout today, what's holding everyone else back, and what to build first. The shoppers are here, but the trust isn't quite there yet. Here's what you need to know to get there first.
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