PayPal and OpenAI Join Forces to Bring Digital Wallet Payments to ChatGPT Users
PayPal has officially partnered with OpenAI to integrate its digital wallet into ChatGPT, creating a new way for users to shop and pay for products directly through the AI platform. The fintech giant confirmed the development to CNBC, describing the collaboration as a defining moment for the future of AI-driven e-commerce. The integration will roll out next year, allowing ChatGPT users and merchants to connect seamlessly in a trusted, secure payment environment.
With this partnership, consumers can browse and purchase items within ChatGPT, while merchants gain the ability to list their products on the AI interface. “We’ve got hundreds of millions of loyal PayPal wallet holders who now will be able to click the ‘Buy with PayPal’ button on ChatGPT and have a safe and secure checkout experience,” said PayPal CEO Alex Chriss. This integration strengthens PayPal’s position as a leader in digital finance while extending ChatGPT’s growing role in online retail.
The announcement follows OpenAI’s launch of its Instant Checkout feature, which allows users to search for and buy products directly within the chat interface. Initially featuring listings from Etsy, the feature plans to expand to Shopify merchants. The underlying technology, known as the Agentic Commerce Protocol, was developed with Stripe to create an open standard for AI-based shopping. The system ensures transactions—from product discovery to payment confirmation—happen entirely inside the chat, giving users a smooth, convenient experience.
As part of the new deal, PayPal will manage backend payment processing, merchant verification, and fraud prevention, providing an added layer of trust to both buyers and sellers. Chriss emphasized that this partnership merges PayPal’s vast merchant network with ChatGPT’s AI capabilities, ensuring that every transaction is both secure and reliable. Users can pay using linked bank accounts, credit cards, or wallet balances, with access to buyer protection, package tracking, and dispute resolution.
This collaboration highlights PayPal’s growing ambition to lead in AI-powered commerce, while OpenAI continues to evolve ChatGPT into a multipurpose platform for both conversation and commerce. With over 700 million weekly users, ChatGPT is rapidly becoming a digital marketplace where AI meets convenience. The partnership represents the next evolution in online payments—where shopping, chatting, and checking out happen all in one place.
source: nairametrics