San Jose, October 28, 2025 — In a major step toward chat-based commerce, OpenAI and PayPal have announced a strategic partnership to integrate PayPal’s payment technology directly into ChatGPT.
The collaboration enables instant checkout, allowing users to browse, select, and pay for products within the chat interface using PayPal’s secure wallet. The system supports multiple funding options — including bank, balance, and cards — along with PayPal’s buyer and seller protections, order tracking, and dispute resolution services.
Through the new Agentic Commerce Protocol (ACP), PayPal’s vast merchant network will become discoverable inside ChatGPT. Beginning in 2026, product catalogs from millions of PayPal merchants — from small businesses to global retail brands — will be automatically accessible in ChatGPT without requiring separate integrations.
PayPal will handle merchant routing, payment validation, and transaction orchestration behind the scenes, ensuring a smooth and compliant experience for both sellers and consumers.
The partnership also extends beyond commerce. PayPal plans to leverage OpenAI’s technology to enhance its internal AI capabilities, including scaling ChatGPT Enterprise for over 24,000 employees and enabling developers with advanced tools such as Codex.
Industry experts see this as a defining move in the evolution of digital commerce, combining OpenAI’s conversational intelligence with PayPal’s trusted global payments infrastructure. Analysts predict this could redefine online shopping by making chat-to-checkout experiences mainstream.
For businesses, the collaboration promises new visibility and customer access, while consumers can look forward to faster, more personalized, and secure transactions — all within a single chat.
Bottom line: This marks a new era where AI not only assists but also completes the transaction — making conversation itself the next frontie
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