This is one of the biggest steps yet in integrating digital payments with conversational technology.

Under this new arrangement, PayPal will adopt OpenAI’s Agentic Commerce Protocol (ACP) to power Instant Checkout, a feature that allows users to confirm orders and complete transactions inside ChatGPT without switching platforms. 

Beginning in 2026, PayPal’s extensive merchant network will be connected to OpenAI’s ecosystem, opening ChatGPT’s marketplace to tens of millions of businesses globally.

“Hundreds of millions of people turn to ChatGPT each week for help with everyday tasks, including finding products they love, and over 400 million use PayPal to shop,” said Alex Chriss, president and CEO of PayPal. 

“By partnering with OpenAI and adopting the Agentic Commerce Protocol, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps for our joint customer bases.”

The integration will allow customers to pay using their PayPal wallets, providing access to multiple funding sources, including cards, bank accounts, and balances, while ensuring the company’s signature buyer and seller protections. 

PayPal will also handle payment processing for card transactions through its delegated payments API, streamlining every stage of the transaction process.

For merchants, the new system offers a direct route into ChatGPT’s massive user base. Small businesses and large retailers alike will see their product catalogues, spanning categories such as apparel, beauty, home improvement, and electronics, become searchable and purchasable within ChatGPT. 

PayPal’s ACP server will handle everything behind the scenes, from merchant routing to payment validation, removing the need for individual integrations.

Beyond commerce, PayPal is expanding its internal use of OpenAI’s technologies. The company plans to deploy ChatGPT Enterprise for its 24,000 employees, use Codex to support engineering tasks, and integrate OpenAI’s APIs across its operations. 

These tools are expected to enhance product innovation and improve customer service efficiency.

The partnership arrives at a time when AI-driven shopping assistants are changing online retail. Such systems can analyse user preferences, compare prices, and execute purchases autonomously, revealing the focus on agentic commerce, where digital assistants play an important role in buying decisions.

PayPal’s move is a turnaround strategy under Chriss, who has steered the company towards profitability and innovation after years of post-pandemic slowdown.

With this integration, PayPal aims to strengthen its presence “anywhere and everywhere that consumers want to pay,” as Chriss told analysts. 

The deal, announced on Wednesday, will see PayPal’s payment technology embedded into Google’s ecosystem, from consumer apps to enterprise services.

Both companies say the collaboration is the beginning of a new era in “agentic commerce”, a model where artificial intelligence tools take on more responsibility in helping users discover products, compare options, and even complete purchases with little to no manual input.

“Through this partnership, PayPal will use our industry-leading AI to enhance services and security, and we will more deeply integrate PayPal’s innovative payment capabilities for a better experience across Google products and platforms,” said Sundar Pichai, CEO of Google parent Alphabet.

PayPal’s Enterprise Payments will now be one of Google’s main payment providers. That means it will handle card transactions on Google Cloud, Google Ads, and Google Play. This places PayPal at the centre of some of Google’s most valuable revenue streams.

PayPal is also migrating parts of its infrastructure to Google Cloud, a transition designed to speed up innovation and expand its AI-driven commerce tools globally. It highlights a growing trend of fintechs leaning on hyperscale cloud providers for scale and security.

Security and trust are also at the core of the deal. PayPal will integrate its identity and fraud prevention tools across Google’s platforms, while Google backs the Agent Payments Protocol (AP2), a proposed standard to safeguard agent-led transactions. 

This is important as AI-powered systems begin making decisions on behalf of users, raising fresh questions about consent, fraud risks, and transparency.

PayPal CEO Alex Chriss described the tie-up as “a new standard for commerce ecosystem innovation.” This is less about payments as we know them and more about boosting how the future of online transactions will be managed by intelligent systems.

The announcement follows another recent step by PayPal into AI partnerships. Earlier this month, it teamed up with Perplexity to give its users early access to the AI-powered Comet browser through a 12-month Pro subscription trial. 

The browser uses artificial intelligence to deliver direct, summarised answers, placing PayPal at the very beginning of the online shopping journey, not just the end.

The strategic partnership will allow Samsung users exclusive access to Glance’s AI shopping and styling experiences and content discovery.

Glance AI is a new AI Commerce platform that delivers inspirational, Generative AI-led commerce and content discovery. Launched earlier this month, Glance AI is disrupting how consumers shop today, allowing them to instantly visualize themselves in AI-curated stylized looks and purchase their favourites with a tap.

Built on Google Gemini’s intelligence and Imagen’s state-of-the-art image generation capabilities, Glance AI is unveiling its new custom lock screen experience designed for Samsung users through this new partnership.

“Glance AI is driven by a core human truth: we want to become the best version of ourselves. What stands between that aspiration and reality is the awareness of what is possible or access to platforms that enable this,” said Naveen Tewari, founder and CEO, Glance & InMobi.

“Glance AI helps consumers discover and visualize what’s possible, starting with an outfit that makes them look and feel great, and own it with just a tap on the platform. Samsung’s commitment to enable Glance AI across its devices in the US ensures consumers enjoy an experience where inspirational commerce and content converge.”

Available as an app and a lockscreen experience, Glance AI is a fully opt-in experience. It trains itself on a single selfie or an image from the image gallery to generate hyper-real images of consumers in outfits best suited for them.

Consumers can then make real-time purchase decisions in just a tap; recommendations and order fulfilment are driven by Glance AI’s extensive partnership with more than 400 leading brands in the US and beyond.

The app further allows users to place the feature directly on their lock screen for easy access and the ability to save each look as either their lockscreen wallpaper or download to share across their network.

Glance AI also leverages trending content, local events, and social media moments to make recommendations fresh, relevant, and engaging. High-speed inferencing helps deliver options such as flash sales and trend-driven commerce, making every shopping experience unique and effortless.

By utilizing Samsung’s extensive reach alongside the power of AI, Glance aims to redefine user interaction with smartphones, making every moment spent on the device richer and more efficient.

“At Samsung Galaxy Store, we’re proud to be more than just an app marketplace – we’re a destination for innovation, discovery, and meaningful experiences tailored for Galaxy users,” said Jason Shim, senior director and head of Samsung Galaxy Store USA.

Glance, the consumer technology company backed by Google has launched an integrated lock screen version of Glance AI, an AI commerce platform designed specifically for Samsung users in the U.S.

The strategic partnership will allow Samsung users exclusive access to Glance’s AI shopping and styling experiences and content discovery.

Glance AI is a new AI Commerce platform that delivers inspirational, Generative AI-led commerce and content discovery. Launched earlier this month, Glance AI is disrupting how consumers shop today, allowing them to instantly visualize themselves in AI-curated stylized looks and purchase their favourites with a tap.

Built on Google Gemini’s intelligence and Imagen’s state-of-the-art image generation capabilities, Glance AI is unveiling its new custom lock screen experience designed for Samsung users through this new partnership.

“Glance AI is driven by a core human truth: we want to become the best version of ourselves. What stands between that aspiration and reality is the awareness of what is possible or access to platforms that enable this,” said Naveen Tewari, founder and CEO, Glance & InMobi.

“Glance AI helps consumers discover and visualize what’s possible, starting with an outfit that makes them look and feel great, and own it with just a tap on the platform. Samsung’s commitment to enable Glance AI across its devices in the US ensures consumers enjoy an experience where inspirational commerce and content converge.”

Available as an app and a lockscreen experience, Glance AI is a fully opt-in experience. It trains itself on a single selfie or an image from the image gallery to generate hyper-real images of consumers in outfits best suited for them.

Consumers can then make real-time purchase decisions in just a tap; recommendations and order fulfilment are driven by Glance AI’s extensive partnership with more than 400 leading brands in the US and beyond.

The app further allows users to place the feature directly on their lock screen for easy access and the ability to save each look as either their lockscreen wallpaper or download to share across their network.

Glance AI also leverages trending content, local events, and social media moments to make recommendations fresh, relevant, and engaging. High-speed inferencing helps deliver options such as flash sales and trend-driven commerce, making every shopping experience unique and effortless.

By utilizing Samsung’s extensive reach alongside the power of AI, Glance aims to redefine user interaction with smartphones, making every moment spent on the device richer and more efficient.

“At Samsung Galaxy Store, we’re proud to be more than just an app marketplace – we’re a destination for innovation, discovery, and meaningful experiences tailored for Galaxy users,” said Jason Shim, senior director and head of Samsung Galaxy Store USA.

“Glance AI is a perfect example of the kind of high-quality and unique content we strive to deliver. By using AI to personalize content and shopping directly on the lock screen, it brings a smarter, more dynamic experience that reflects the forward-thinking spirit of the Galaxy Store.”

This collaboration paves the way for a mobile ecosystem that enables users to discover new styles and trends, transforming the smartphone into a dynamic centre of styling and commerce.

“Glance AI is a perfect example of the kind of high-quality and unique content we strive to deliver. By using AI to personalize content and shopping directly on the lock screen, it brings a smarter, more dynamic experience that reflects the forward-thinking spirit of the Galaxy Store.”

This collaboration paves the way for a mobile ecosystem that enables users to discover new styles and trends, transforming the smartphone into a dynamic centre of styling and commerce.