“Can Microsoft turn Copilot from a productivity assistant into the agentic checkout surface for the open web?”
Microsoft Copilot is Microsoft's brand for AI assistants spanning Microsoft 365, Windows, and Azure, launched in 2023 on top of the OpenAI partnership. In 2026 the product expanded beyond pure productivity into embedded commerce with Copilot Checkout — letting users buy from Shopify, Etsy, and other retailers without leaving the chat. The strategic question is whether Microsoft can turn the AI assistant into a transactional surface and capture a share of the agentic-commerce funnel, with Stripe as the agentic-commerce payments backbone.
Microsoft Copilot processes payments through Stripe, PayPal and Shopify (Shop Pay).
Microsoft Copilot integrates with QuickBooks Online and Dynamics 365 Finance.
The Embedded Finance Index 2026 maps 3 layers in Microsoft Copilot's stack: Payments / PSP (Stripe, PayPal and Shopify (Shop Pay)); Accounting (QuickBooks Online and Dynamics 365 Finance); Tax (Avalara).
Microsoft Copilot is founded in 1975 and headquartered in Redmond, Washington, USA.
Get a read on where your own stack stands against Microsoft Copilot and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.