PayPal Enables ChatGPT Payments with ACP and PYUSD Support

Published: 2025-10-28 13:08:59 |

PayPal has partnered exclusively with OpenAI to integrate ChatGPT payments using its wallet and the Agentic Commerce Protocol (ACP), enabling Instant Checkout inside ChatGPT across bank, crypto, and card funding with buyer protection. From early 2026, merchants in apparel, beauty, electronics, and home improvement can list products directly in ChatGPT without separate integration, as PayPal handles routing and payment validation via its ACP server. PayPal will support the open-source ACP and OpenAI’s delegated payments API for card processing, leveraging buyer and seller protection, dispute resolution, and security infrastructure. This move builds on PayPal’s AI commerce suite, including its PYUSD stablecoin with over $2.5 billion supply, and peer-to-peer BTC, ETH, and LTC transfers within its app. It also extends ChatGPT Enterprise to 24,000+ employees. The integration of ChatGPT payments marks a significant advance in AI-powered in-app commerce, offering crypto traders streamlined transaction flows and enhanced security.

Bullish

The integration is likely bullish for PYUSD and the overall crypto market by increasing on-chain transaction volume via PayPal’s platform and embedding crypto funding in mainstream AI apps. In the short term, traders may react positively to the broader adoption of crypto payments in ChatGPT, boosting demand for PYUSD, BTC, ETH, and LTC on PayPal rails. In the long term, seamless in-app commerce could drive higher usage of PayPal’s PYUSD and strengthen stablecoin adoption, enhancing liquidity and market stability.