PayPal links up with ChatGPT to provide instant checkout – ConsumerAffairs
or sign up
or sign up
PayPal partners with OpenAI to bring instant checkout and commerce directly into ChatGPT.
ChatGPT users will be able to pay with PayPal, using cards, balances, or banks — backed by PayPal’s buyer protections.
Millions of merchants will gain access to ChatGPT’s shopping audience through PayPal’s new Agentic Commerce Protocol integration.
PayPal is taking another major step in digital payments — this time inside ChatGPT. The company has announced today that it will adopt the Agentic Commerce Protocol (ACP), enabling millions of ChatGPT users to make instant purchases using PayPal and allowing merchants to sell their products directly within the chatbot experience.
The move could turn OpenAI’s ChatGPT into a powerful new shopping platform, giving users the ability to go from chat to checkout in just a few taps, according to PayPal CEO Alex Chriss.
“Hundreds of millions of people turn to ChatGPT each week for help with everyday tasks, including finding products they love, and over 400 million use PayPal to shop,” Chriss said.
“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.”
With this partnership, ChatGPT users will soon be able to use PayPal’s Instant Checkout — a feature that integrates PayPal’s digital wallet, multiple funding options, including bank, balance, and cards, and the company’s hallmark buyer and seller protections.
The system also extends PayPal’s post-purchase support, such as shipment tracking and dispute resolution, directly into the ChatGPT experience. For users, that means a familiar, secure, and fast checkout process when buying through conversational shopping interactions.
The impact could be even greater for businesses. PayPal’s integration with the Agentic Commerce Protocol will connect tens of millions of merchants — from small businesses to global retail brands — to ChatGPT’s commerce ecosystem.
Through PayPal’s ACP server, merchants won’t need to perform separate integrations to be discoverable or sell within ChatGPT. Instead, PayPal will handle payment processing, merchant routing, and validation behind the scenes. The platform will start surfacing product catalogs from categories such as fashion, beauty, electronics, and home improvement in 2026.
By effectively linking ChatGPT users with PayPal’s vast merchant base, this partnership could redefine how conversational AI facilitates online shopping.
The announcement also marks a deeper collaboration between PayPal and OpenAI beyond payments. PayPal plans to expand its use of ChatGPT Enterprise across its 24,000 employees, giving engineers access to tools like Codex to accelerate product development and improve customer experiences.
Stay informed
Sign up for The Daily Consumer
Get the latest on recalls, scams, lawsuits, and more
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Mark Huffman has been a consumer news reporter for ConsumerAffairs since 2004. He covers real estate, gas prices and the economy and has reported extensively on negative-option sales. He was previously an Associated Press reporter and editor in Washington, D.C., a correspondent for Westwood One Radio Networks and Marketwatch.
ConsumerAffairs is not a government agency. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. Our content is intended to be used for general information purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers.
Company NMLS Consumer Access #2110672 MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER
NOTICE TO VERMONT CONSUMERS:
THIS IS A LOAN SOLICITATION ONLY. CONSUMERS UNIFIED, LLC IS NOT A LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
Home Warranty disclosure for New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.
Consumers Unified, LLC does not take loan or mortgage applications or make credit decisions. Rather, we display rates from lenders that are licensed or otherwise authorized to work in Vermont. We forward your information to a lender you wish to contact so that they may contact you directly.
Copyright © 2025 Consumers Unified, LLC DBA ConsumerAffairs. All Rights Reserved. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission.
