PayPal partners with OpenAI to integrate the open source Agentic Commerce Protocol, enabling users to shop and pay directly within ChatGPT while giving merchants seamless access to AI-powered commerce.
OpenAI’s Agentic Commerce Protocol (ACP), an open source specification designed to enable AI-native shopping experiences, has gained its first large-scale adopter, PayPal. The collaboration marks a major step towards open standards in AI commerce, allowing users to discover, select, and purchase products through AI-driven conversations.
Starting in 2026, users will be able to shop and pay directly within ChatGPT, powered by PayPal’s integration with ACP. The protocol allows merchants to make their catalogues discoverable within AI apps, while OpenAI’s “Instant Checkout” feature, launched in September 2025, lets users confirm order, shipping, and payment details without leaving the chat interface. Together, these tools promise seamless, end-to-end AI-native transactions.
Because ACP is open source, it opens the door for broader developer and merchant participation, potentially standardising AI-driven commerce across multiple platforms and democratising access to agentic shopping capabilities.
Users can pay using their PayPal wallets for buyer protection and dispute resolution, while a separate API will enable card payments from within ChatGPT.
From 2025, merchants using PayPal will have their products automatically discoverable across categories including fashion, beauty, home improvement, and electronics, without needing direct integration.
PayPal is also launching an agentic commerce suite to help merchants showcase catalogues in AI apps, accept payments across platforms, and gain insights into consumer behaviour.
“By partnering with OpenAI and adopting the Agentic Commerce Protocol, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps,” said Alex Chriss, President and CEO of PayPal.
