PayPal has announced a landmark partnership with OpenAI to integrate its digital wallet directly into ChatGPT, enabling users to make seamless purchases through the AI platform.
The collaboration will introduce a “Buy with PayPal” button within ChatGPT, enabling secure and instant checkout experiences for both buyers and sellers.
This deal comes after the payments giant delivered strong third-quarter (Q3) 2025 Results, with broad-based profitable growth across branded experiences. In the report, PayPal disclosed that it is building for an agentic future, partnering with leaders such as Google, OpenAI, and Perplexity.
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The recent integration of its digital wallet into ChatGPT positions PayPal as an early player in AI-driven e-commerce, giving it access to ChatGPT’s vast and growing user base, estimated at over 700 million weekly users. This move aligns with OpenAI’s broader strategy to transform ChatGPT into a commerce-enabled platform where users can discover, compare, and purchase products through conversational interactions powered by artificial intelligence.
PayPal’s CEO, Alex Chriss, speaking on the deal, emphasized the scale and trust underpinning the integration. “We’ve got hundreds of millions of loyal PayPal wallet holders who now will be able to click the ‘Buy with PayPal’ button on ChatGPT and have a safe and secure checkout experience,” Chriss said.
Beginning in 2026, users will be able to browse and complete purchases directly within ChatGPT using their PayPal digital wallets. Behind the scenes, PayPal will handle merchant routing, payment validation, and processing, simplifying integration for sellers. Merchants using PayPal will automatically gain access to ChatGPT’s e-commerce ecosystem without needing separate agreements with OpenAI.
PayPal CEO Chriss further highlighted the trust and security benefits of the partnership, noting that both buyers and merchants on PayPal’s network are verified, reducing fraud risks. Consumers will be able to use linked bank accounts, credit cards, or PayPal balances to pay for items, while also enjoying standard PayPal protections, including package tracking, dispute resolution, and purchase protection.
“It’s not just that a transaction can happen,” he added. “It’s that this is a trusted set of merchants, the largest merchant network in the world, from PayPal verified, with the largest set of verified consumers in a digital wallet.”
By embedding PayPal’s wallet and enabling “chat-to-checkout” flows, ChatGPT becomes not just an assistant for search or work, but a platform for direct e-commerce. This opens up a monetization channel beyond subscriptions. The partnership comes as OpenAI expands ChatGPT’s role in e-commerce, following similar deals with Shopify, Etsy, and most recently, Walmart. Also, as more platforms explore AI + commerce, OpenAI’s move helps it stay ahead of competitors and broaden the role of ChatGPT from pure conversation/assistance to commerce/transaction.
For PayPal, ChatGPT’s hundreds of millions of weekly users, will see the payments platform get exposure to a massive new audience for its wallet and payment services. The announcement has already triggered a strong positive reaction in PayPal’s stock, reflecting investor confidence in this strategic move. Notably, as commerce shifts toward conversational and AI-driven experiences, PayPal’s integration puts it at the Centre of that shift.
By embedding its wallet into ChatGPT, PayPal is positioning itself as a payments backbone for the next generation of agentic AI shopping, where conversational interfaces meet trusted financial infrastructure to make digital commerce more seamless and secure.