PayPal and OpenAI Team Up for Instant Payments with ChatGPT

Key Takeaways

1. PayPal and OpenAI have partnered to introduce Instant Checkout payments within ChatGPT using the Agentic Commerce Protocol (ACP).
2. The ACP is an open-source standard that allows for seamless shopping experiences directly in ChatGPT sessions.
3. Etsy was the first eCommerce platform to implement the ACP, with Shopify and Walmart also planning to adopt it.
4. PayPal will enable merchants to display products in ChatGPT searches, making it easier for users to make purchases without leaving the chat.
5. This feature could significantly change eCommerce by allowing direct purchases from ChatGPT, benefiting over 800 million ChatGPT users and 400 million PayPal customers.

PayPal has revealed today, October 28, 2025, that it has teamed up with OpenAI to introduce Instant Checkout payments to ChatGPT using the ACP (Agentic Commerce Protocol). This new feature will allow users of ChatGPT to buy products and services directly within their ChatGPT sessions.

Seamless Shopping Experience

Last month, OpenAI released the Agentic Commerce Protocol as an open-source standard for eCommerce platforms, enabling a direct connection to ChatGPT for an effortless shopping experience. Etsy was the first platform to utilize the ACP. In addition to PayPal, Shopify is also planning to implement this protocol soon. Earlier this month, Walmart and OpenAI disclosed a similar collaboration, allowing Walmart’s customers to make purchases using Instant Checkout.

Future Benefits for Users

In the upcoming year, PayPal aims to enhance the experience for ChatGPT users by allowing PayPal merchants to showcase their products and services in ChatGPT searches, all without needing specific vendor integrations.

What does this all mean for online shoppers? Soon, ChatGPT searches like “What are the best gaming laptops under $1000?” will enable users to make direct purchases without having to navigate to the vendor’s website. With over 800 million global ChatGPT users and more than 400 million PayPal customers, the broader adoption of Instant Checkout could represent a significant change for eCommerce as a whole.

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