PayPal expands into OpenAI ChatGPT, bringing millions of merchants instant checkout for AI commerce.
PayPal, Inc. announced it is adopting the Agentic Commerce Protocol (ACP) to integrate its payments and merchant network with ChatGPT, enabling millions of users to complete purchases instantly. The partnership allows PayPal to support OpenAI Instant Checkout, connecting consumers directly with tens of millions of small businesses and major brands without requiring individual merchant integrations.
Through this integration, ChatGPT users will be able to browse and buy products from PayPal’s global network of merchants using familiar payment options such as bank accounts, PayPal balances, and credit cards. The checkout process will include PayPal’s buyer and seller protections, as well as post-purchase services like tracking and dispute resolution.
Alex Chriss, President and CEO of PayPal, stated that hundreds of millions of people use ChatGPT each week for everyday tasks, including finding products they like, and noted that over 400 million people shop using PayPal. He added that by partnering with OpenAI and adopting the Agentic Commerce Protocol (ACP), PayPal aims to enable payments and commerce experiences that allow users to go from chat to checkout in just a few taps.
For merchants, ACP provides a scalable, compliant access layer to ChatGPT commerce. PayPal will manage product catalogs, merchant routing, payment validation, and transaction orchestration behind the scenes. The initial rollout in 2026 will cover retail categories including apparel, beauty, home improvement, electronics, and more, making millions of products discoverable and purchasable through AI interactions.
Beyond commerce, PayPal is also expanding its AI strategy with OpenAI, scaling access to ChatGPT Enterprise for its 24,000+ employees and utilizing OpenAI’s Codex and API tools to enhance product development and customer experiences.
Merchants interested in participating can sign up today to join the program and bring their products to ChatGPT users via PayPal’s platform.
Earlier this month, India launched AI-Powered UPI commerce payments on ChatGPT, expanding agentic payments to leading AI platforms.
