PayPal has announced a major partnership with OpenAI that will allow ChatGPT users to make payments directly within conversations starting in 2026.
The company said it is adopting the Agentic Commerce Protocol (ACP), an open-source standard developed by OpenAI that enables AI apps to facilitate product discovery and transactions through conversational agents.
ChatGPT’s “Instant Checkout” feature, introduced in September, will let users confirm purchases, shipping, and payment details without leaving the app. PayPal will provide its wallet service for payments, complete with buyer and seller protection and dispute resolution, while also powering card payments through a separate API.
From next year, merchants using PayPal will have their products automatically discoverable on ChatGPT — starting with fashion, beauty, home improvement, and electronics — without needing additional integrations.
PayPal CEO Alex Chriss said the collaboration aims to “help people go from chat to checkout in just a few taps.” The company is also rolling out an agentic commerce suite for merchants to embed their catalogs into AI apps and gain insights into consumer behavior.
The move continues PayPal’s broader strategy to integrate payments into AI-driven experiences. Earlier this year, it partnered with Perplexity and Google to embed its services into their AI tools.
