Instant Checkout in ChatGPT (stripe.com)

Stripe and OpenAI today launched Instant Checkout in ChatGPT, letting U.S. users buy from Etsy sellers now (and, soon, from over a million Shopify merchants) directly in chat. The experience is powered by a new open standard, the Agentic Commerce Protocol (ACP), co-developed by Stripe and OpenAI, and a new payment primitive called the Shared Payment Token (SPT). In practice a user asks ChatGPT for product recommendations, taps an inline Stripe checkout, and Stripe issues an SPT—scoped to a specific merchant and cart total—that lets ChatGPT hand off a payment token to the merchant via API without exposing the buyer’s credentials. Merchants receive orders through ACP, can accept/decline, charge the payment, calculate tax, and manage fulfillment and returns as usual; they may process payments through Stripe or another provider while still benefiting from Stripe’s fraud scoring. This launch signals a structural shift toward “agentic” commerce, where AI agents carry buyer identity, payment method, and purchase context into transactions. ACP standardizes that interface so merchants don’t need bespoke integrations for each AI agent, preserving brand control and existing backend systems. Technically, the move re-architects payments, checkout, and fraud flows for machine-driven shoppers: SPTs improve security, ACP enables cross-agent interoperability, and Stripe’s risk tooling and Link fast-payments are integrated. The result is a new sales channel and revenue model for businesses and a scalable framework for AI-enabled buying.