ChatGPT will soon integrate PayPal, enabling users to checkout directly within the ChatGPT app without visiting external webshops. This integration is powered by the Agentic Commerce Protocol (ACP), which PayPal will adopt to expand payments and commerce capabilities in ChatGPT. Millions of ChatGPT users will be able to make instant purchases using PayPal, and PayPal will facilitate payment processing for merchants using OpenAI Instant Checkout. This partnership connects PayPal’s global merchant network with OpenAI, allowing tens of millions of small businesses and major brands to sell products directly through ChatGPT.
Key Features of the Integration
- Instant Checkout: Users can complete purchases quickly using PayPal’s wallet, which supports multiple funding options like bank accounts, balances, and cards.
- Buyer and Seller Protections: PayPal’s protections, tracking, dispute resolution, and post-purchase services will be available to consumers.
- Merchant Access: By 2026, ACP will enable product catalogs from small businesses and major retail brands across sectors such as apparel, fashion, beauty, home improvement, and electronics to be discoverable and purchasable via ChatGPT.
- Seamless Merchant Integration: PayPal’s ACP server will provide a scalable, compliant access layer to a global merchant network without requiring individual merchant integrations. PayPal will handle merchant routing, payment validation, and orchestration behind the scenes.
Broader Partnership and AI Strategy
Beyond commerce, PayPal is expanding its AI strategy with OpenAI by scaling ChatGPT Enterprise access for its 24,000+ employees, empowering engineers with Codex, and increasing use of OpenAI’s APIs. This collaboration aims to accelerate PayPal’s product development, enhance employee productivity, and improve customer experiences.
Additional Information
The announcement includes forward-looking statements about future events and performance, subject to risks and uncertainties detailed in PayPal’s SEC filings. PayPal disclaims any obligation to update these statements.
About PayPal
PayPal has been innovating global commerce for over 25 years, focusing on making money movement, selling, and shopping simple, personalized, and secure.
