PayPal has announced a strategic agreement with OpenAI to integrate its digital wallet within ChatGPT, allowing users to make purchases directly from the conversational environment. This alliance positions the company as a pioneer in what is called agentic commerce– An autonomous trading model assisted by artificial intelligence. The news has driven a 14% increase in the value of PayPal shares after the announcement was made known.
“We have built the largest network of verified merchants in the world, and hundreds of millions of consumers with PayPal wallets will now be able to buy from ChatGPT with complete confidence”said Alex Chriss, CEO of PayPal. “It’s hard to imagine that agentic commerce isn’t going to be a central part of the future.”
With this integration, users will be able to pay using cards, bank accounts or PayPal balance, benefiting from buyer protections, order tracking and dispute resolution. Merchants already using PayPal will not need to sign additional agreements with OpenAI: processing will be handled automatically through PayPal’s delegated payments system.
In addition to facilitating payment, the alliance connects the product catalog of millions of small businesses and big brands to the ChatGPT ecosystem. Starting in 2026, users will be able to discover and purchase these products directly from the chat, thanks to the adoption of the Agentic Commerce Protocol (ACP) and PayPal’s ACP Server infrastructure, which acts as a secure and scalable access layer.
This move is also part of an internal transformation: PayPal has begun to scale the use of ChatGPT Enterprise among its more than 24,000 employees and has implemented tools such as Codex for developers, with the aim of accelerating innovation and improving the customer experience. The company has stated that the use of open language models (LLM) such as Nvidia Nemotron has allowed it to improve the speed of its systems by 50% and multiply its development productivity by five.
“We are building smarter, scalable and secure business experiences, thanks to an open architecture that gives us full control of the AI stack”the company has indicated, which plans to continue deepening this technological strategy together with Nvidia.
In parallel with this announcement, PayPal has raised its profit forecasts for 2025, placing them between $5.35 and $5.39 per share. In the last quarter, its revenue grew 7% to reach $8.4 billion, with a total volume of processed payments of $458.1 billion.
