Overview
- ChatGPT users will be able to check out using PayPal’s wallet through Instant Checkout, drawing from bank accounts, cards, or balances with buyer protections including tracking and dispute resolution.
- PayPal will run merchant routing, payment validation, and payment processing so sellers using PayPal can transact in ChatGPT without signing separate deals with OpenAI.
- The partnership links PayPal’s global merchant network to ChatGPT, making millions of products discoverable and shoppable in chat starting in 2026 via ACP.
- PayPal shares rose as much as 14% in premarket trading after the announcement, which was paired with stronger Q3 results and raised guidance.
- PayPal said it will broaden internal use of OpenAI enterprise tools across roughly 24,000 employees to speed product development and workflows.