PayPal has announced a major partnership with OpenAI that will allow users to complete shopping transactions directly within ChatGPT. The collaboration, which leverages OpenAI’s new Instant Checkout feature and the open-source Agentic Commerce Protocol (ACP), is set to launch in 2026.
The move marks a significant step in the evolution of conversational commerce — where artificial intelligence meets payments — giving ChatGPT users the ability to discover, order, and pay for products seamlessly without leaving the chat interface.
Through the integration, PayPal users will be able to check out using their PayPal wallets inside ChatGPT, enjoying the company’s signature buyer and seller protection as well as dispute resolution features. PayPal will also power card payments within ChatGPT using a separate payments API.
Starting next year, merchants who use PayPal products will have their products automatically discoverable on ChatGPT. Categories such as fashion, beauty, home improvement, and electronics will be the first to roll out. Merchants will not need to build any custom integrations — PayPal will handle routing and payments behind the scenes.
In addition, the company plans to introduce an Agentic Commerce Suite, which will let merchants showcase product catalogs within AI apps, accept payments from multiple AI platforms, and access real-time insights into consumer shopping behavior.
Alex Chriss, PayPal’s president and CEO, said the collaboration represents a new chapter in AI-driven commerce. “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,” Chriss said. “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.”
This partnership continues PayPal’s growing effort to embed itself into AI-powered ecosystems. Earlier in 2025, the company teamed up with AI search startup Perplexity to enable in-app checkout and later adopted Google’s Agent Payments Protocol to integrate PayPal into Google’s AI-driven products.
Beyond commerce, PayPal is also expanding its internal use of AI. The company confirmed it is giving enterprise access to ChatGPT to all employees and enabling its engineers to utilize OpenAI’s coding assistant, Codex, to enhance development productivity.
With this move, PayPal joins a wave of global companies experimenting with “agentic commerce” — a model that could redefine how consumers discover, interact with, and purchase products through AI.
