News
Key Takeaways
- ChatGPT Commerce Integration. PayPal will enable instant checkout within ChatGPT using Agentic Commerce Protocol (ACP).
- Merchant ChatGPT Access. Millions of PayPal merchants will become discoverable to ChatGPT users.
- LLM Discoverability. PayPal merchants gain new sales channels through ChatGPT, increasing discoverability and potential revenue.
PayPal announced on October 28, 2025, that it will adopt the Agentic Commerce Protocol (ACP) to expand payments and commerce capabilities within ChatGPT. According to company officials, the partnership will allow ChatGPT users to check out instantly using PayPal's payment services.
This deal follows a recent OpenAI-Shopify partnership to offer Instant Checkout within the chat interface. This new integration aims to connect PayPal's global merchant network to OpenAI's platform, potentially creating new sales channels for tens of millions of businesses. PayPal will support payment processing for merchants using OpenAI Instant Checkout, with product catalogs from small businesses and major retail brands becoming accessible through ChatGPT in 2026.
Table of Contents
- Key Features of the PayPal-ChatGPT Checkout Integration
- Who Benefits Most from the PayPal-ChatGPT Commerce Integration
- AI’s Role in the Future of Online Shopping
- PayPal’s Role in Digital Commerce
Key Features of the PayPal-ChatGPT Checkout Integration
Here’s a breakdown of the PayPal and ChatGPT checkout integration, designed to streamline AI-driven commerce for users and merchants alike.
| Integration Component | How It Works |
|---|---|
| Instant Checkout | PayPal wallet integration for quick purchases within ChatGPT conversations |
| Payment Processing | Support for merchants using OpenAI Instant Checkout via delegated payments API |
| Merchant Network | ACP server connecting PayPal's global merchant network to ChatGPT |
| Multiple Payment Options | Bank, balance and card funding options with buyer/seller protections |
| Post-Purchase Services | Tracking and dispute resolution services for ChatGPT purchases |
| Internal AI Expansion | ChatGPT Enterprise access for PayPal's 24,000+ employees |
Related Article: ChatGPT Atlas: OpenAI’s New AI-Powered Browser Changes How We Surf the Web
Who Benefits Most from the PayPal-ChatGPT Commerce Integration
- ChatGPT users looking for faster, smarter shopping experiences. Consumers can now browse, discover and check out directly within ChatGPT using PayPal, eliminating the need to visit external websites or apps.
- PayPal merchants seeking AI-powered sales channels. Businesses gain immediate access to a new customer base via ChatGPT, with products surfaced through conversational discovery rather than search ads or listings.
- Ecommerce retailers exploring conversational AI commerce. The integration provides a low-friction path to test and scale AI-driven shopping experiences using PayPal’s trusted payment infrastructure.
AI’s Role in the Future of Online Shopping
"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." — Alex Chriss, President and CEO of PayPal
- Alex Chriss
President & CEO, PayPal
PayPal, with over 400 million users across approximately 200 markets, has positioned itself at the intersection of AI and commerce through its OpenAI partnership. The collaboration leverages the Agentic Commerce Protocol to enable transactions directly within ChatGPT.
This move comes amid surging executive interest in agentic technologies. Recent reports indicate 93% of US IT executives are extremely or very interested in agentic AI, with 88% planning to increase AI budgets. The integration represents a significant evolution in how AI platforms monetize their services, following OpenAI's earlier exploration of ad-supported models for ChatGPT.
The partnership also reflects broader shifts in information retrieval, moving beyond traditional link-based results toward intelligent, conversational discovery. For merchants, the protocol promises to connect their product catalogs directly to ChatGPT users without requiring individual integrations.
As AI continues enhancing customer experiences through 24/7 support and personalization, this convergence of payment processing and conversational AI represents a notable step toward frictionless commerce in AI environments.
PayPal’s Role in Digital Commerce
PayPal, founded in December 1998 in Palo Alto, California (and originally named Confinity) provides digital payment solutions primarily to businesses of all sizes and individual consumers seeking secure online transactions.
Payment Solutions
PayPal offers a suite of digital payment products, including online checkout, peer-to-peer transfers, invoicing and mobile wallet services. Its platform integrates with ecommerce sites and supports multiple payment methods, currencies and compliance requirements. The company also provides fraud prevention tools and APIs for developers.
PayPal's Market Position
Positioned as a global payments provider, PayPal serves a broad spectrum of customers, from individual users to small businesses and large enterprises. Its solutions are widely adopted in ecommerce, retail and digital services. The company asserts that its brand recognition and international reach have made it a significant player in the digital payments industry.
