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- Zafar Naik
Zafar Naik
- Reviewed by:
Qadir AKQadir Ak is the founder of Coinpedia. He has over a decade of experience writing about technology and has been covering the blockchain and cryptocurrency space since 2010. He has also interviewed a few prominent experts within the cryptocurrency space.
- Oct 28, 2025 10:56 UTC
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PayPal Partners with OpenAI to Power Instant Checkout, AI Commerce in ChatGPT
PayPal partners with OpenAI to launch instant checkout and agentic commerce directly inside ChatGPT.
The integration connects millions of PayPal merchants to ChatGPT’s global user base for seamless in-chat payments.
The move signals a deeper shift toward AI-driven commerce and could open doors for crypto.
PayPal has teamed up with OpenAI in a major move that could change how people shop and pay online.
Announced on October 28, the partnership will bring instant checkout and agentic commerce to ChatGPT, allowing users to discover and buy products directly through the chatbot, powered by PayPal’s trusted payment network.
Here’s why this is exciting.
ChatGPT Becomes a Marketplace
According to a press release today, PayPal will adopt OpenAI’s Agentic Commerce Protocol (ACP), a new system designed to make online shopping faster and more interactive. Soon, ChatGPT users will be able to find products, choose payment methods, and check out instantly using PayPal without even leaving the chat.
For merchants, the change could be massive. PayPal plans to connect tens of millions of businesses, from small shops to global brands, to ChatGPT’s growing user base.
“Hundreds of millions of people turn to ChatGPT each week for help with everyday tasks, including finding products they love, and over 400 million use PayPal to shop,” said Alex Chriss, President and CEO of PayPal. “By partnering with OpenAI and adopting the Agentic Commerce Protocol, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps.”
What It Means for PayPal, and Possibly for Crypto
This partnership reflects PayPal’s broader shift toward AI-powered commerce and digital innovation. The company has already launched its PYUSD stablecoin and built crypto custody services, showing its growing focus on the digital asset space.
While the announcement didn’t directly mention crypto, this kind of AI-driven payments system could easily become a bridge between fiat and digital currencies in the future.
If PayPal’s ACP platform eventually supports blockchain-based settlements, it could boost the use of PYUSD and other regulated stablecoins in real-world transactions.
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The Bigger Picture: When AI Meets Payments
“Agentic Commerce” or AI-powered buying and selling could eventually go beyond simple checkouts. With time, it might connect with smart contracts, tokenized assets, or digital identity systems.
And as history shows, every major AI and payments announcement tends to boost interest in related crypto sectors.
Tokens tied to AI, payments, and stablecoins – like FET, AGIX, OCEAN, XRP, XLM, and PYUSD – could all see renewed investor attention.
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PayPal’s latest move with OpenAI is exciting and a strong signal that shows us where digital commerce is headed.
FAQs
PayPal teamed up with OpenAI on October 28 to bring instant checkout to ChatGPT, letting users discover, buy, and pay for products right in the chat using PayPal’s secure network.
Agentic commerce uses OpenAI’s protocol so you chat with ChatGPT to find items, pick payment options, and complete checkout instantly via PayPal—without leaving the conversation.
Yes, starting soon after the October 28 announcement, you’ll search for products in ChatGPT, select PayPal, and check out in a few taps—all powered by PayPal’s trusted system.
The partnership focuses on fiat payments now, but PayPal’s AI commerce push and PYUSD stablecoin could pave the way for future crypto bridges in everyday transactions.
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