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PayPal Partners with OpenAI to Let Users Pay for Their Shopping Within ChatGPT

A new era of conversational commerce is unfolding as PayPal partners with OpenAI to let users pay for their shopping within ChatGPT, beginning in 2026. This collaboration combines PayPal’s trusted payment ecosystem with OpenAI’s innovative “Instant Checkout” feature, letting users complete purchases directly inside ChatGPT without visiting external websites. The integration aims to make AI-driven shopping faster, safer, and more intuitive for millions of users worldwide.

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How Will PayPal Payments Work Inside ChatGPT?

The partnership relies on OpenAI’s Agentic Commerce Protocol (ACP) — an open-source framework that allows merchants to list products directly within AI platforms. When users browse or chat about products inside ChatGPT, they can now add items to their cart, confirm shipping and payment details, and check out using PayPal wallets. This setup also supports PayPal’s hallmark buyer protection and dispute resolution features, ensuring safe transactions across apparel, electronics, and home improvement categories.

What Does This Mean for Merchants Using PayPal?

For merchants, PayPal’s partnership with OpenAI eliminates technical hurdles. Businesses using PayPal products will automatically have their product catalogs appear in ChatGPT search and shopping results, no extra integration needed. A new agentic commerce suite will also help merchants analyze AI-driven shopping trends, gain customer insights, and manage sales seamlessly across multiple AI platforms.

Why Is PayPal Investing in AI Commerce Now?

As consumers increasingly turn to AI assistants for daily tasks, PayPal is positioning itself at the heart of AI commerce. After collaborations with Perplexity and Google earlier this year, this latest move with OpenAI reinforces PayPal’s mission to power trusted, frictionless payments in emerging AI ecosystems. With ChatGPT’s growing user base and built-in payment capabilities, 2026 could mark the rise of a truly conversational shopping experience — where discovery, decision, and payment happen in one chat.