In a news update on October 28, 2025, payment giant PayPal announced a significant partnership with artificial intelligence company OpenAI, making ChatGPT its first integrated payment wallet. This innovation will allow users to complete shopping payments directly within ChatGPT, greatly enhancing the online shopping experience. Upon the announcement, PayPal's stock surged more than 15% in pre-market trading, showing strong market recognition of this collaboration.

PayPal CEO Alex Chriss stated that this agreement was reached over the weekend and that, starting next year, PayPal's ecosystem will be fully integrated with ChatGPT. Users will be able to conveniently click the "Buy with PayPal" button within ChatGPT, enjoying a secure and reliable checkout experience. At the same time, merchants will be able to list their product inventories on ChatGPT, further expanding their sales channels.

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OpenAI is actively expanding e-commerce features in ChatGPT. Earlier last month, OpenAI announced that ChatGPT users could directly purchase items from Shopify and Etsy merchants. Two weeks ago, OpenAI also reached an e-commerce partnership with Walmart. These moves show OpenAI's increasing depth of involvement in the e-commerce sector.

Chriss said: "This is a new way of shopping. Agentic commerce will play an important role in future shopping methods." He pointed out that PayPal has hundreds of millions of loyal users, and with ChatGPT, they will enjoy a more convenient and secure shopping experience.

Aside from this major partnership, PayPal also released its third-quarter financial results, raised its full-year performance expectations, and for the first time announced the distribution of dividends, showing confidence in cash flow and long-term profitability. The adjusted earnings per share forecast has been raised to between $5.35 and $5.39, exceeding analysts' expectations and performing impressively.

With global consumer spending gradually stabilizing, PayPal is gradually recovering from a downturn by focusing on high-profit businesses and cost-cutting strategies. In the future, as ChatGPT becomes more widespread and payment functions are integrated, PayPal is undoubtedly set to seize new growth opportunities in the e-commerce sector.