Overview
- Starting next year, ChatGPT users will be able to complete purchases with PayPal inside the chat, with broader merchant catalog integration slated for 2026.
- PayPal will run payment orchestration for ChatGPT commerce, handling merchant routing, validation, and processing so sellers do not need separate OpenAI contracts.
- Transactions in ChatGPT will support funding from linked bank accounts, cards, or PayPal balances and will carry PayPal buyer protections including tracking and dispute resolution.
- The partnership adopts OpenAI’s Agentic Commerce Protocol and supports Instant Checkout, extending OpenAI’s recent commerce push with Etsy, Shopify, and Walmart.
- PayPal shares rose by double digits after the announcement, as the company raised full‑year guidance and initiated a $0.14 quarterly dividend.