PayPal has announced a new partnership with OpenAI that will allow users to complete purchases directly inside ChatGPT beginning in 2026. The collaboration adopts OpenAI’s open-source Agentic Commerce Protocol, enabling merchants’ products to surface within AI applications and creating end-to-end shopping journeys powered by conversational agents.
The experience will be supported by OpenAI’s Instant Checkout, allowing users to confirm shipping and payment details without leaving the chat. Shoppers will be able to pay using their PayPal wallets, benefiting from purchase protection and dispute resolution, while PayPal technology will also process card payments through a dedicated API.
Starting next year, merchants using PayPal products will have their catalogs automatically discoverable on ChatGPT in categories such as fashion, beauty, home improvement, and electronics, with no added integration work required. PayPal is also introducing new commerce tools for AI-driven product placement, payments, and consumer insights, further expanding its role in emerging AI-commerce ecosystems.
