ChatGPT users will soon be able to check out with PayPal without leaving the chat.
The payments firm is integrating its services into OpenAI’s platform to enable instant payments and merchant discovery.
PayPal will adopt the Agentic Commerce Protocol (ACP) to power OpenAI’s Instant Checkout, processing PayPal wallet and card payments through its delegated payments API.
Users will have access to multiple funding options, purchase protections, and post-purchase support such as tracking and dispute resolution.
The move will connect ChatGPT users to PayPal’s global merchant network, bringing product catalogs from small businesses and major brands into the chat starting in 2026.
PayPal’s ACP server will handle merchant routing, validation, and payment orchestration without the need for separate integrations.
PayPal is also expanding its use of OpenAI’s technology internally by deploying ChatGPT Enterprise and Codex for its 24,000 employees, broadening API use, and applying AI to speed product development and enhance customer experiences.
Existing and prospective PayPal merchants can join the waitlist here.
“Hundreds of millions of people turn to ChatGPT each week for help with everyday tasks, including finding products they love, and over 400 million use PayPal to shop.
By partnering with OpenAI and adopting the Agentic Commerce Protocol, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps for our joint customer bases.”
said Alex Chriss, President and CEO of PayPal.
Featured image: Edited by Fintech News Singapore, based on image by 21vectors via Freepik
