PayPal, Inc. announced today that it will adopt the Agentic Commerce Protocol (ACP) to extend payments and commerce to ChatGPT.
Millions of ChatGPT users will be able to check out instantly using PayPal, and PayPal will support payment processing for merchants leveraging OpenAI Instant Checkout. PayPal will also connect its global merchant network with OpenAI, creating a platform for tens of millions of small businesses and the world’s biggest brands to sell on ChatGPT.
“Hundreds of millions of people turn to ChatGPT every week for help with everyday tasks, including finding products they love, and over 400 million use PayPal to shop,” said Alex Chriss, PayPal President and CEO. “By partnering with OpenAI and adopting the Agentic Commerce Protocol, PayPal will enhance payments and commerce experiences that help people go from chat to checkout in just a few clicks for our shared customer bases.”
This partnership unlocks the convenience of PayPal’s wallet in Instant Checkout, including multiple funding options such as bank, balance and cards, as well as PayPal buyer and seller protection, as well as post-purchase services such as tracking and dispute resolution, benefits that consumers value when checking out with PayPal.
PayPal will also support OpenAI Instant Checkout through its payment delegation API, handling payment processing for card payments.
For the tens of millions of merchants who use PayPal, in 2026 ACP will bring the product catalogs of small businesses as well as retail brands in apparel, fashion, beauty, home improvement and electronics to ChatGPT commerce, through PayPal’s ACP server—a reliable, scalable and non-compliant merchant layer in this merchant network integrations. PayPal will handle merchant routing, payment validation and behind-the-scenes orchestration. This integration will make millions of products discoverable and shoppable through ChatGPT.
As part of this partnership, PayPal is also expanding its AI strategy with OpenAI beyond commerce — scaling access to ChatGPT Enterprise for its more than 24,000 employees, enabling engineers with Codex, and broadly expanding the direct use of OpenAI APIs. Together, this empowers PayPal to accelerate product development, amplify employee impact, and raise the bar on customer experiences.