How to sell on ChatGPT with Stripe: A complete guide (2025)

E-commerce has changed a lot, right? We went from clunky desktop sites to buying things from our phones in a couple of taps. Now, it looks like we’re heading for the next big shift: just talking to an AI. Imagine a customer discovering a product and buying it on the spot, all within a single chat.

Well, that future just got a lot closer. Thanks to a new partnership between OpenAI and Stripe, people can now buy things directly inside ChatGPT. This is a huge move toward what some are calling "agentic commerce," where AI assistants basically act like personal shoppers, closing the gap between finding something and buying it.

This guide will walk you through what this integration is, how it works, what it means for your business, and, most importantly, the limitations you need to know about before jumping in.

What is the new integration?

At its heart, the new feature is called "Instant Checkout." It lets ChatGPT users buy products from certain merchants without ever leaving the chat window. It’s a simple idea on the surface, but there’s some clever tech making it happen.

The whole system runs on a new open standard called the Agentic Commerce Protocol (ACP), which OpenAI and Stripe developed together. The easiest way to think about it is as a shared language that lets AI agents, businesses, and payment systems all talk to each other securely.

Here’s how everyone plays their part:

• ChatGPT: This is the discovery tool and shopping assistant. A user asks for a recommendation, and ChatGPT finds a product that fits the bill.

• Stripe: It handles the money. Stripe provides the secure payment system using a new "Shared Payment Token" (SPT). This token protects the customer’s card details so ChatGPT never even sees them.

• The Merchant: That’s you. Your store (say, on Shopify) gets the order and you fulfill it just like any other. You’re still the one making the sale.

The main goal here is to make buying as easy as possible. When a customer finds something they like in a chat, they can purchase it right then and there.

How it works: A step-by-step breakdown

Before we get into the nitty-gritty, you should know that access is pretty limited right now. It started with US-based Etsy sellers and is slowly expanding to some Shopify merchants. But because it’s built on an open protocol (the ACP), the plan seems to be to make this available to a lot more businesses over time.

Here’s a quick look at how a purchase actually happens.

The customer journey

For the shopper, the whole thing feels incredibly smooth.

• Step 1: Discovery: A user asks ChatGPT for a product recommendation. Something like, "Find me a waterproof hiking backpack under $150."

• Step 2: Selection: ChatGPT shows relevant products from merchants that are part of the program. If a product is available for Instant Checkout, a "Buy" button appears right there in the chat.

• Step 3: Checkout: The user clicks "Buy," and a checkout form powered by Stripe pops up inside the chat. They can confirm their shipping address and payment info without going to a new page.

• Step 4: Confirmation: Once they confirm, the order is placed. The user gets a confirmation message in the chat, and the whole thing is done. No new tabs, no new websites.

The merchant’s process

On your end, the Agentic Commerce Protocol does the heavy lifting to get the order to you safely. When the user confirms their purchase, a secure token is sent to your system through the ACP. You get the order, process it with your normal fulfillment workflow, and handle any returns just like you would for an order from your own website. Stripe’s gateway takes care of the payment, and the money goes to your account.

The business case: Use cases and opportunities

For businesses that can get in on this early, the potential is pretty obvious. This isn’t just another button on your site; it’s a totally new way to sell.

• Meet customers where they are: You can reach millions of ChatGPT users right when they’re actively looking for ideas and solutions. It’s like setting up a shop in the middle of a massive town square.

• Make buying ridiculously easy: Every extra click or new page is another chance for a customer to get distracted and leave. By keeping the entire sale inside the chat, you can capture more of those "in the moment" purchases and lower your cart abandonment rate.

• Connect with people ready to buy: Someone asking ChatGPT for a specific product recommendation isn’t just window shopping. They usually have a need and are close to making a decision, which makes them a great audience to get in front of.

• Get a head start on what’s next: Agentic commerce is just getting started. Playing with the technology now puts you ahead of the game for a future where AI assistants become a major way people shop.

Key limitations

While the tech is exciting, it’s not going to fix every e-commerce problem overnight. It’s a fantastic payment tool, but it leaves some big gaps that businesses need to think about.

It’s a payment tool, not a support agent

This integration is built to do one thing really well: process a sale. It can’t handle the messy, unpredictable, and totally necessary conversations that happen before and after someone clicks "buy."

What happens when a customer asks a pre-sale question like, "Does this backpack have a pocket for a laptop?" or "What’s your return policy?" The Stripe integration has no idea.

And what about after the sale? Questions like, "Where is my order?" or "I need to start a return" aren’t going to be answered in ChatGPT. Those will all end up in your usual support channels, whether that’s email, social media, or a helpdesk like Zendesk or Freshdesk.

Limited control over the customer experience

When a sale happens in ChatGPT, the whole discovery and checkout process is happening on OpenAI’s turf. That means you have almost no control over your branding, how your products look next to a competitor’s, or the up-sell and cross-sell opportunities you’d normally have on your own site. You’re playing in someone else’s sandbox, and you have to play by their rules.

It only solves one piece of the puzzle

A true conversational commerce strategy needs an AI that understands your entire business, not just a product catalog. It needs access to your help center articles, your FAQs, your order system, and all the internal docs your team uses every day.

This is where a dedicated AI platform comes in. For example, an AI agent from eesel AI can connect to your Shopify catalog and your Zendesk help center, your Confluence pages, and your internal Google Docs all at the same time. This lets it answer both sales and support questions confidently, giving customers a complete experience instead of just a transactional one.

This workflow illustrates how a dedicated AI platform like eesel connects to all of a business's scattered data sources, a limitation of the Stripe and ChatGPT integration.

The bigger picture: Building a complete conversational commerce strategy

The ChatGPT and Stripe feature is a big clue about where commerce is going, but it’s just the tip of the iceberg.

This video demonstrates how you can monetize a ChatGPT plugin using Stripe, giving you a practical look at the underlying technology.

A solid strategy uses AI to help with the entire customer journey, from their first question about a product, through the purchase, and all the way to any support they might need later. This requires a tool that can pull together all your scattered information and plug into the workflows you already have, without making you switch the helpdesk your team already uses.

eesel AI is built for this. You can launch an AI Chatbot on your website that handles tricky pre-sale questions and passes them to a human when necessary. Or, you can use an AI Agent in your helpdesk to automate common support tickets. All of it learns from your actual business data, so the answers are always accurate and sound like you.

The future is conversational

The partnership between OpenAI and Stripe is a really interesting step for e-commerce. It makes in-chat purchasing a real thing and opens up a powerful new sales channel for businesses.

However, it’s a payment feature first and foremost, not a complete customer service tool. It handles the ‘buy’ button perfectly but leaves you to deal with all the questions that come before and after. For businesses that want to get the most out of AI, the next step is to find a platform that can manage the whole customer conversation by connecting all your tools and automating support.

Ready to build a complete conversational commerce strategy?

You can start automating your customer support today. eesel AI plugs into your existing helpdesk and knowledge sources to deliver instant, accurate answers to customer questions. You can go live in minutes, not months, and see how much you can automate.

Try eesel AI for free.