PayPal partners OpenAI to drive agentic commerce in ChatGPT

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PayPal has partnered with OpenAI to expand payments and commerce within ChatGPT, marking one of the first large-scale integrations between a major payment provider and an AI platform.

Through this partnership, millions of ChatGPT users will be able to check out instantly using PayPal. The company will also power payments processing for merchants leveraging OpenAI’s new Instant Checkout feature, which allows users to discover and buy products directly within ChatGPT.

The move integrates PayPal’s digital wallet, including bank, card, and balance options, alongside its buyer and seller protections, post-purchase tracking, and dispute resolution services.

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PayPal will also support OpenAI’s Instant Checkout through its delegated payments API, handling payment processing for card transactions.

From 2026, PayPal plans to connect its global merchant network to OpenAI through the agentic commerce protocol (ACP). The rollout will make millions of products from small businesses and global brands across categories such as fashion, beauty, home, and electronics discoverable and purchasable through ChatGPT.

The integration will be powered by PayPal’s ACP server, a scalable and compliant system that removes the need for individual merchant integrations. PayPal will manage routing, payment validation, and orchestration on the backend.

Beyond commerce, PayPal said it will deepen its use of OpenAI’s technology internally. The company is scaling access to ChatGPT Enterprise for more than 24,000 employees and integrating Codex to support engineering teams. PayPal also plans to expand its use of OpenAI APIs to accelerate product development and enhance customer experiences.

"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," said Alex Chriss, president and CEO of PayPal. He added, "By partnering with OpenAI and adopting the ACP, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps for our joint customer bases."

The move builds on OpenAI’s broader push to turn ChatGPT into a full-service digital assistant, following last week’s launch of ChatGPT Atlas, a new web browser built with the chatbot at its core. Atlas aims to reimagine how users interact with the web by bringing the chatbot directly into their browsing experience.

With Atlas, ChatGPT can understand what users are viewing and assist with tasks such as research, planning, or booking, without switching tabs or copying information between windows. Its built-in memory allows ChatGPT to recall past browsing context, while an agent mode enables automated actions such as summarising data or managing appointments.

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