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PayPal has announced a major partnership with OpenAI, integrating its payments technology directly into ChatGPT. The deal will let users make purchases and complete transactions inside conversations, a move that could reshape how people shop and pay online.
According to PayPal’s newsroom, the integration brings instant checkout and “agentic commerce” features to ChatGPT, allowing users to buy products, book services, and manage payments without leaving the chat.
According to PayPal CEO Alex Chriss, this new payment alliance will “help people go from chat to checkout in just a few taps”.
How Do PayPal Payments Work Via ChatGPT?
With PayPal as the default wallet, users can complete payments simply by interacting with the chat. For example, if ChatGPT helps a user find a product, it can also guide them through the checkout process and confirm payment via PayPal, all within the same chat window.
PayPal functions as the wallet system inside ChatGPT, handling security and transactions. The integration supports a more proactive AI, one that not only helps you search and chat, but also makes purchases or bookings when requested.
PayPal will handle the entire process, from processing payments via OpenAI Instant Checkout and verifying transactions to connecting users with the right merchants, which will make millions of products available for purchase directly within ChatGPT.
Why the Deal Between PayPal and OpenAI Matters
This partnership highlights a shift in how AI is turning from a passive assistant into an active one. Instead of looking for external websites, ChatGPT becomes part of the shopping process itself.
For PayPal, the move marks its role in next-generation commerce powered by AI. For OpenAI, it offers a trusted payment assistant role and attracts new users.
As Reuters reported, PayPal’s shares increased by 13% following the announcement, reflecting investors’ optimism about the company’s new move.
