PayPal and OpenAI reshape e-commerce with ChatGPT-powered payments
In a landmark move set to redefine the future of AI-powered e-commerce, PayPal has officially partnered with OpenAI to embed its digital wallet directly into ChatGPT, the world’s leading consumer AI platform. This strategic integration, announced on October 28, 2025, positions PayPal as the first payments provider to be natively supported within ChatGPT’s interface.
Starting in 2026, users will be able to shop with ChatGPT and complete purchases using the familiar “Buy with PayPal” button. This means over 700 million weekly ChatGPT users can now enjoy a seamless, secure checkout experience powered by PayPal’s trusted infrastructure. Merchants, too, will benefit from this integration, as their inventories can be listed and sold directly through ChatGPT without needing separate onboarding with OpenAI.
According to PayPal CEO Alex Chriss, this partnership is more than just a technical integration—it’s a leap toward “agentic commerce,” where artificial intelligence acts as a personal shopping assistant. Chriss emphasized that both consumers and merchants are verified through PayPal’s network, significantly reducing fraud risk and ensuring secure transactions.
Users will be able to pay using linked bank accounts, credit cards, or stored balances, with full access to package tracking, dispute resolution, and buyer protections—core features that make PayPal a leader in digital payments. Behind the scenes, PayPal will manage merchant routing, payment validation, and other critical processes, streamlining operations for sellers on ChatGPT.
This deal follows OpenAI’s recent e-commerce expansions with Shopify, Etsy, and Walmart, signaling a broader push to make ChatGPT a central hub for online shopping. PayPal’s involvement cements its role as a fintech backbone for the emerging era of AI-driven commerce.
Additionally, PayPal announced it will expand its use of OpenAI’s enterprise AI tools internally to accelerate product development and innovation.
With this integration, PayPal and OpenAI are not just enhancing convenience—they’re reshaping how consumers interact with technology, making AI shopping more intuitive, secure, and accessible than ever before.
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