PayPal has announced a major partnership with OpenAI to integrate payments directly into ChatGPT, enabling users to complete purchases in a few taps using PayPal’s Instant Checkout system.
Through the Agentic Commerce Protocol (ACP), PayPal’s tens of millions of merchants will become discoverable within ChatGPT, allowing users to browse, select and purchase goods without leaving the app.
The system will support payments via PayPal wallets, bank accounts, cards, and balances, and include buyer and seller protections, order tracking and dispute resolution.
“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,” said Alex Chriss, President and CEO of PayPal.
For merchants, the collaboration means product catalogues will be automatically connected to ChatGPT through PayPal’s ACP server, with no additional integration required.
PayPal will handle payment validation, routing and orchestration, enabling purchases across categories including fashion, beauty, electronics, and home improvement.
The initiative also extends PayPal’s use of AI: the company will expand ChatGPT Enterprise access for its 24,000 employees and adopt OpenAI’s Codex to accelerate product development.
The partnership is expected to roll out in 2026, giving ChatGPT users global access to millions of products through PayPal’s vast merchant network.