PayPal Integrates Merchants into ChatGPT Commerce via Instant Checkout

PayPal has announced it will adopt the Agentic Commerce Protocol to expand payments and commerce capabilities in ChatGPT. The integration will allow millions of ChatGPT users to complete purchases instantly using PayPal.

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Merchants using OpenAI Instant Checkout will also be able to process payments through PayPal.

Consumers Gain PayPal Options in ChatGPT

The partnership connects PayPal’s global merchant network to OpenAI, enabling small businesses and large brands to sell products within ChatGPT.

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Consumers will have access to multiple funding options, including bank accounts, PayPal balances, and cards. PayPal will also provide its buyer and seller protections, along with post-purchase services such as 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 for our joint customer bases,” said Alex Chriss, President and CEO of PayPal.

PayPal Expands AI and Commerce Integration

PayPal will support OpenAI Instant Checkout through the delegated payments API, managing card payment processing.

From 2026, the ACP integration will make product catalogs from small businesses and large retail brands across sectors such as apparel, fashion, beauty, home improvement, and electronics available in ChatGPT commerce.

PayPal’s ACP server will handle merchant routing, payment validation, and orchestration without requiring individual merchant connections.

According to the firms, the integration will make millions of products accessible for purchase through ChatGPT. PayPal will also extend its AI use with OpenAI, including ChatGPT Enterprise access for employees, support for Codex, and broader API usage.