Overview
- PayPal will handle merchant routing, payment validation and processing for ChatGPT transactions so individual sellers using PayPal do not need separate OpenAI integrations.
- Rollout is planned for 2026, with PayPal set to connect its global merchant network to ChatGPT and support bank accounts, cards and PayPal balances for funding.
- Transactions completed in chat will include PayPal protections such as package tracking and dispute resolution, with verified consumers and merchants to reduce fraud risk.
- Shares of PayPal jumped by double digits after the announcement, which arrived alongside stronger Q3 results, a raised full‑year outlook and the company’s first quarterly dividend.
- PayPal will adopt OpenAI’s Agentic Commerce Protocol to power Instant Checkout and is expanding use of OpenAI’s enterprise tools across its workforce.