Overview
- PayPal will adopt OpenAI’s Agentic Commerce Protocol and support Instant Checkout so purchases can be completed inside ChatGPT.
- Product catalog discoverability through ACP is slated for 2026, with PayPal managing merchant routing, payment validation and orchestration.
- Merchants using PayPal won’t need separate OpenAI integrations because transactions will be handled through delegated APIs in the background.
- Users can fund purchases via linked bank accounts, cards or PayPal balances, with buyer and seller protections including package tracking and dispute resolution.
- PayPal shares jumped into the low‑ to mid‑teens percentage range in premarket trading as the company raised its outlook, announced its first quarterly dividend, and said it will expand use of OpenAI’s enterprise tools internally.