On October 28, 2025 (Pacific Time), PayPal said it will adopt OpenAI’s Agentic Commerce Protocol and make its wallet available for Instant Checkout in ChatGPT—putting more than 400 million PayPal shoppers a tap away from in-chat purchases.
Why this matters
If shopping starts inside the conversation, the winners are those that control trust, after-sales, and dispute resolution—not those with the flashiest language model. PayPal’s move is an attempt to turn chat into a mainstream sales channel while exporting its two enduring moats—buyer protection and chargeback handling—into the agent era. The announcement also landed alongside solid earnings updates: the company lifted its full-year profit forecast,
