"PayPal said on Tuesday that it is adopting a protocol in combination with OpenAI's "Instant Checkout" feature to let users pay for their shopping directly within ChatGPT, starting in 2026. PayPal is adopting the Agentic Commerce Protocol (ACP), an open source specification developed by OpenAI that lets merchants make their products available within AI apps, consequently enabling users to shop using AI agents."
"Customers can use their PayPal wallets for checkout, which, the company said, would enable it to provide buyer and seller protection, as well as dispute resolution. The company is also providing technology to handle card payments from within ChatGPT using a separate payments API."
"And next year, merchants using PayPal products will have their products be discoverable on ChatGPT, starting with categories like apparel, fashion, beauty, home improvement, and electronics. Merchants will not need to build any integrations, as PayPal will handle merchant routing and payments behind the scenes. The company said it is also launching an agentic commerce suite that would let merchants feature their catalogs within AI apps, accept payments on different AI apps, and get insights about consumer behavior."
PayPal is adopting the Agentic Commerce Protocol (ACP) and integrating with OpenAI's Instant Checkout to enable payments directly within ChatGPT starting in 2026. Customers can use PayPal wallets for checkout, allowing buyer and seller protection plus dispute resolution. PayPal will also supply technology to handle card payments inside ChatGPT via a separate payments API. Merchants using PayPal products will become discoverable on ChatGPT across categories such as apparel, fashion, beauty, home improvement, and electronics without needing bespoke integrations. PayPal will manage merchant routing and payments behind the scenes and will launch an agentic commerce suite to let merchants feature catalogs, accept payments across AI apps, and obtain consumer-behavior insights.
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