Payment technology provider Worldpay is now supporting OpenAI’s Agentic Commerce Protocol (ACP). As the company noted in a news release Wednesday (Oct. 29), this is an open standard for artificial intelligence (AI) commerce allowing AI agents, people and businesses to work together on purchases.

With ACP, the release added, U.S. users of OpenAI’s ChatGPT will be able to shop directly from participating Worldpay merchants using Instant Checkout.

Paypal said on Tuesday that it is adopting a protocol in combination with OpenAI’s “Instant Checkout” feature to let users pay for their shopping directly within ChatGPT, starting in 2026. Paypal is adopting the Agentic Commerce Protocol (ACP), an open-source specification developed by OpenAI that lets merchants make their products available within AI apps, consequently enabling users to shop using AI agents. Meanwhile OpenAI’s “Instant Checkout” feature, launched in September, lets users confirm their order, shipping, and payment details, and complete purchases without leaving ChatGPT.

The yearend holiday shopping season may mean half of consumers tapping BNPL for purchases. Half of holiday shoppers plan to use buy now, pay later services to cover their expenses this holiday season, according to a holiday survey of 1,000 U.S. adults from digital payments provider PayPal Holdings. The respondents cited budget control and affordability as the top reasons for using the payment tool.

The pace of the financial industry is unrivalled. The cross-border payments landscape is rapidly evolving and maturing as emerging technologies develop, new regulations come into play, fraud dominates, and global consumers demand instant payments. 

How is the industry responding to these changes, and what strategies are banking experts and leaders deploying to combat the onslaught of challenges as the future draws nearer? Sibos 2025 in Frankfurt will be a forum for conversation on the next steps for the financial sector, and how to conquer the next frontier of global finance. 

Executives today face increasing pressure to grow revenue and retain customers in a competitive marketplace. While many focus on traditional strategies, they often overlook a critical growth lever: underserved audiences. Flexible payment solutions provide a unique opportunity to tap into this high- potential segment, recovering declined transactions and building long-term loyalty. Flexible payments are not just a transactional tool—they are a growth strategy for merchants who want to unlock untapped potential and outperform the competition.

In Citizens’ fourth annual survey on payment trends, leaders at midsize businesses report an increased focus on fraud prevention and payment speed, among other key trends. Institutions, from businesses to governments, are marching slowly but surely toward an all-digital payment future—and many are adopting new technologies and tools, including AI and embedded finance APIs. Still, the old ways are hard to retire. And as every treasury leader knows, payment mix is also about meeting the preferences of contractors, vendors, and employees.

Capture early-bird discount holiday shoppers jumpstarting holiday shopping and the growing population looking to spread out payments via BNPL and other alternative payment methods. Now is the time to implement effective strategies before the months of holiday spending ahead.

Account-to-account (A2A) payments have gained significant momentum over the past several years, taking centre stage in many discussions and developments in the fintech industry. While adoption surges in some regions, others face challenges around fraud, UX, interoperability, and trust.

This report brings together industry thought leaders, innovators, merchants, and ecosystem enablers to offer a diverse and deeply informed look into the state of A2A payments in 2025 and beyond. It features expert analysis and up-to-date information to help you discover where the A2A payments space is heading and what will happen next.