PayPal’s global merchant network and OpenAI’s conversational platform are joining forces to enable in-chat shopping, instant payments, and AI-powered commerce.
PayPal and OpenAI have unveiled a strategic collaboration that will bring payments, product discovery, and merchant storefronts directly into ChatGPT. By adopting the Agentic Commerce Protocol (ACP), PayPal will allow millions of ChatGPT users to complete purchases instantly using PayPal, while also enabling retailers to sell their products natively inside the AI platform.
The move marks one of the most ambitious integrations between a major payments provider and a leading AI system — potentially reshaping how consumers browse, shop, and pay.
“From chat to checkout in just a few taps”
Alex Chriss, President and CEO of PayPal, highlighted the scale of the opportunity:
“Hundreds of millions of people turn to ChatGPT each week for everyday tasks, including finding products they love — and over 400 million use PayPal to shop. By partnering with OpenAI and adopting ACP, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps.”
Through the integration, ChatGPT users will be able to pay with the full functionality of the PayPal wallet, including:
- Bank account payments
- Balance and stored funds
- Linked debit and credit cards
- PayPal’s buyer and seller protection
- Integrated order tracking and dispute resolution
PayPal will also power card payment processing for OpenAI’s Instant Checkout via its delegated payments API.
Millions of PayPal merchants will become discoverable inside ChatGPT
A key pillar of the partnership is bringing PayPal’s massive merchant ecosystem into the ChatGPT environment.
Starting in 2026, PayPal will connect:
- Small businesses
- Large global brands
- Retailers across apparel, beauty, electronics, home improvement, and more
All via its dedicated ACP server, which acts as a secure and compliant gateway for product catalog access. Notably:
✅ Merchants won’t need to build custom integrations
✅ PayPal will manage backend tasks such as product routing, payment validation, and transaction orchestration
✅ Millions of products will become searchable and purchasable directly within ChatGPT conversations
This will allow shoppers to ask ChatGPT things like “Find me a budget winter jacket under €100” or “Show me Bluetooth speakers from trusted brands” — and instantly discover merchants offering those items.
PayPal expands internal AI adoption with OpenAI
Beyond payments, PayPal announced a deeper internal AI strategy:
- Scaling ChatGPT Enterprise to more than 24,000 employees
- Providing engineers with OpenAI’s Codex for coding assistance
- Broadening use of OpenAI’s APIs across product development
The company says this will accelerate innovation and improve customer experience across PayPal’s global operations.
Merchant signups now open
Existing and new PayPal merchants can register their interest in the new ChatGPT commerce integration via PayPal’s dedicated onboarding page.
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Source: PayPal Newsroom
