What’s happened? PayPal has officially announced its partnership with OpenAI to integrate its digital wallet directly into ChatGPT, enabling users to complete purchases without leaving the conversation. The deal centres on the Agentic Commerce Protocol (ACP), which automatically connects PayPal-enabled merchants and payment processing behind the scenes.

• Under the partnership, ChatGPT users will be able to pay via PayPal’s wallet, including bank, balance, and card options, and access PayPal’s buyer/seller protections.
• PayPal expects merchant integration via ACP in 2026, making product catalogues from its global network available inside ChatGPT.
• The official announcement highlights that millions of ChatGPT users and hundreds of millions of PayPal customers now share a potential checkout channel.

We reported our third quarter results this morning. @PayPal delivered another strong quarter with broad-based profitable growth across branded experiences, @Venmo, and PSP. We also announced a new partnership with @OpenAI to expand payments and commerce in ChatGPT.

PayPal is a… pic.twitter.com/HaM4zrmOpX

— Alex Chriss (@acce) October 28, 2025

Why this is important: Bringing PayPal into ChatGPT marks a meaningful shift in how conversational AI interacts with online shopping. Instead of stopping at product suggestions or links, ChatGPT will soon be able to help users complete purchases in chat using a familiar and trusted payment platform. That means fewer redirects, fewer steps, and a more streamlined path from discovery to checkout. For PayPal, this integration creates a new commerce channel inside one of the world’s most widely used AI platforms. It also gives merchants a way to reach customers right where they already are, without making them jump to another app or website.

Interestingly, this isn’t PayPal’s first attempt at AI-powered shopping. The company recently partnered with Perplexity on similar “agentic commerce” tools, offering a free 12-month Perplexity Pro subscription and access to its Comet browser to showcase the experience. PayPal also announced a collaboration with Google to power agentic shopping and commerce features, though we haven’t seen those surface in Gemini just yet. Still, integrating with ChatGPT gives PayPal a far bigger audience to tap into, potentially making this its most visible AI partnership so far.

Why should I care? If you use ChatGPT for shopping or product discovery, this integration means that your next “ask” might end in a payment rather than just a link.

• You’ll be able to check out with PayPal inside a chat interface, using stored payment/shipping info and familiar protections.
• Product discovery and purchase can happen in one place, without switching apps.
• You’ll get clearer, more consistent checkout experiences across different merchants, so no need for new logins or forms every time.

Joe Maring / Digital Trends

Okay, so what’s next? The integration is slated to go live in 2026, at which point products from PayPal’s merchant network will become “discoverable and purchasable” inside ChatGPT. Since this is a forward-looking deal, key details like how payments will surface in the UI and what safeguards exist are still unclear. The foundation is set; now it’s about execution.