PayPal partners with OpenAI to let users pay for their shopping within ChatGPT

PayPal said Tuesday it is adopting a protocol in conjunction with OpenAI’s “instant checkout” feature to allow users to pay for their purchases directly within ChatGPT, starting in 2026.

Paypal is adopting the Agentic Commerce Protocol (ACP), an open-source specification developed by OpenAI that allows merchants to make their products available within AI apps, thereby enabling users to make purchases using AI agents. meanwhile OpenAI’s “Instant Checkout” featureLaunched in September, allows users to confirm purchases without leaving their order, shipping, and payment details and ChatGPT.

Customers can use their PayPal wallets for checkout, which the company says will provide protection for buyers and sellers as well as enable dispute resolution. The company is also providing technology to handle card payments from within ChatGPT using a separate payment API.

And next year, merchants using PayPal products will discover their products on ChatGPT, ranging from categories such as apparel, fashion, beauty, home improvement and electronics. Merchants don’t need to build any integrations, as PayPal will handle merchant routing and payments behind the scenes.

The company said it is launching an agentic commerce suite that allows merchants to feature their catalogs within AI apps, accept payments in various AI apps, and gain insights into consumer behavior.

PayPal is working to insert itself as a payment partner into various companies’ AI-enabled shopping experiences, especially as people increasingly use AI apps to perform their daily tasks. In May, the company Teamed with distractions Allow checkout between users AI search toolAnd in September, PayPal said it was accepting Google’s Agent Payment Protocol To combine its products in various Google products.

PayPal said that, in addition to the partnership in commerce, the company is giving all of its employees enterprise access to ChatGPT and allowing its engineers to make better use of Codex, OpenAI’s coding tool.

“Each week millions of people turn to ChatGPT for help with everyday tasks, including finding the products they want, and use PayPal to make more than 400 million purchases,” PayPal president and CEO Alex Chris said in a statement. Go from chat to checkout in a few taps.”