PayPal has announced a landmark deal with OpenAI to embed its digital wallet directly into ChatGPT, enabling users to shop and pay for products within the AI platform from 2026.

The partnership connects PayPal’s global payments network to OpenAI’s rapidly expanding “agentic commerce” ecosystem, where AI assistants can browse, compare and complete transactions on behalf of users.

PayPal will manage payment processing, verification and buyer protections, including dispute resolution and package tracking, while allowing consumers to pay via bank accounts, cards or stored balances.

The move follows Sam Altman’s firm’s recent integrations with Shopify, Etsy and Walmart, as ChatGPT evolves from a conversational tool into a transactional platform.