PayPal has announced plans to adopt the Agentic Commerce Protocol (ACP) to enhance payments and commerce in ChatGPT, enabling users to complete purchases seamlessly with its services.
Partnership with OpenAI
In collaboration with OpenAI, PayPal aims to support payment processing for merchants using OpenAI Instant Checkout. This initiative will integrate PayPal’s global merchant network into the platform, creating opportunities for small businesses and brands to sell through ChatGPT.
The partnership brings multiple funding options like bank, balance, and card payments to Instant Checkout along with PayPal’s buyer and seller protections, post-purchase services such as tracking, and dispute resolution.
Scaling Up with ACP
In 2026, through the company’s ACP server, small businesses and retail brands across various categories—apparel, fashion, beauty, home improvement, and electronics—are set to have their product catalogues accessible in ChatGPT commerce. The ACP server acts as a scalable and compliant access layer for global merchants, facilitating automatic routing of payments and handling payment validation and orchestration behind the scenes.
This integration aims to make numerous products discoverable and purchasable via ChatGPT, enhancing user convenience by streamlining the transition from chat to checkout processes.
Expanding AI Strategy with OpenAI
Beyond commerce, PayPal intends to leverage OpenAI’s capabilities to scale its AI strategy. This includes expanding access to ChatGPT Enterprise for 24,000 employees and allowing engineers to use Codex directly. The strategic agreement also facilitates quicker product development, greater employee impact, and improved customer experiences.
Enrollment Process
As of now, existing and potential PayPal merchants can sign up on the company’s website. According to officials from PayPal, as more individuals rely on ChatGPT for daily tasks such as discovering products, partnering with OpenAI and adopting ACP will enable PayPal to offer payment and commerce experiences that are efficient and beneficial for both joint customers.
