ChatGPT is about to become more than just a chat tool — it’s becoming a store. PayPal has announced a deep integration with OpenAI’s Agentic Commerce Protocol (ACP), allowing users to make real purchases directly inside ChatGPT. It’s a big step that blends AI conversations with instant payments, connecting shoppers and merchants in a way we haven’t seen before.
Shopping Without Leaving the Chat
From early 2026, ChatGPT users will be able to buy products on the spot using PayPal. There’s no need to open a browser or app — the transaction happens right inside the chat.
You’ll still get all the familiar PayPal features:
- Instant Checkout for quick purchases.
- Multiple payment options, from cards to bank accounts.
- Protection and tracking, including refunds and dispute tools.
Behind the scenes, PayPal’s new delegated payments API will handle all the card processing securely. It’s the same PayPal you already know — just living inside ChatGPT.
It’s a natural next step for PayPal, bringing its global reach to where users already spend their time.
A New Platform for Merchants
This partnership isn’t just about convenience for buyers. It’s also a major new channel for merchants of all sizes.
Through ACP, PayPal will host product catalogs from sectors like fashion, electronics, and beauty — making them searchable and purchasable within ChatGPT. Businesses won’t need complex AI integrations; PayPal’s system takes care of the hard parts like routing payments, validation, and security.
In short, the company wants to make AI commerce as easy as adding a PayPal button.
New AI Tools for Businesses
To support this shift, PayPal is launching two new AI-powered solutions:
Agent Ready
A tool that lets existing PayPal merchants accept AI-based payments instantly — no new setup required. It includes fraud detection, buyer protection, and dispute resolution out of the box. Launch is planned for early 2026.
Store Sync
This feature helps merchants make their product data visible across AI platforms. It connects easily with partners such as Wix, BigCommerce, Shopware, and Cymbio.
It means your store could appear on multiple AI shopping tools — from Perplexity to ChatGPT — without touching a line of code. Merchants stay the seller of record and keep full control over branding and customer communication.
PayPal’s AI Push Inside the Company
This new direction is part of a bigger AI plan at PayPal. The company is rolling out ChatGPT Enterprise access to more than 24,000 employees, alongside OpenAI’s Codex for developers.
That means faster product development, smarter tools, and more efficient customer support — all powered by AI. It’s a clear sign that PayPal isn’t just integrating AI for users, but transforming itself around it.
The Bottom Line
PayPal’s move with OpenAI could redefine how we think about online shopping. Buying something through a chat might soon feel as normal as tapping “Add to Cart.” If it works, ChatGPT could become a new type of digital marketplace — fast, conversational, and surprisingly human.
Key Takeaways
- PayPal integrates with OpenAI’s Agentic Commerce Protocol to power in-chat payments.
- ChatGPT users will be able to shop and pay directly through PayPal.
- Merchants gain AI visibility via Agent Ready and Store Sync.
- ACP simplifies commerce by handling all payment and routing processes.
- PayPal expands its AI strategy internally with ChatGPT Enterprise.
Source from Gizchina
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