OpenAI and Stripe recently announced their Agentic Commerce Protocol (ACP) partnership. As the first integration step, Instant Checkout went live in the US on Etsy and Shopify.
This development clearly shows that a new era has begun in the e-commerce world.
Users will be able to complete their payment from within ChatGPT after selecting a product, without signing up to an e-commerce site. The payment will be processed through the merchant's existing PSP/PF infrastructure. ChatGPT will act like a commerce agent here, guiding the user from discovery to order. In particular, since users will no longer need to enter their address, card details and so on, transaction times will shorten and customer satisfaction will increase.
So why is this development critical?
The answer is very simple. Because the operations and processes of shopping sites at the customer acquisition stage are complex, and because customers enter their personal information into websites, customers feel anxiety and lose time.
The steps with the highest abandonment in the e-commerce funnel:
- 22% → Checkout is too long / complicated
- 18% → Entering card details does not inspire trust
- 17% → Being forced to create an account
(Source: Baymard Institute)
With ACP, these obstacles will disappear. Because address and payment details will come automatically from ChatGPT. The user experience will drop to "one-click" speed, and transactions can be approved.
What Will the Roadmap Be for PFs?
When the rollout starts in Turkey, Payment Facilitators (PFs) that are ready for this model will be able to win customers directly through ChatGPT. To do so:
- Delegated Payments integration → Making KYC/AML and fraud processes real-time and API-first
- Supporting the merchant's cash flow by accelerating Settlement & Early Payout processes
- Tokenization and secure payment infrastructures → need to be redesigned to be ACP-compatible.
Although these changes will not be easy for PFs, they are essential to keep pace with the transformation, deliver maximum benefit to customers and build a strong structure.
And What Will the Roadmap Be for E-Commerce Platforms?
- Making product, price, stock, order and refund processes API-ready
- Supporting guest checkout flows
- Automatically synchronizing order status and customer interactions with ACP
- Designing a one-click checkout experience is necessary.
What Comes Beyond One Click?
ACP, which shortens the checkout funnel today, may rewrite the entire customer journey tomorrow. This can offer us customers a unique experience.
Possible scenarios:
- Predictive Commerce → It will be able to anticipate the user's needs and offer proactive shopping suggestions
- Embedded Finance → Financial products such as BNPL, credit and insurance may be integrated at the moment of purchase
- Post-purchase Agent → Refund, exchange and warranty processes may be managed through ChatGPT
- Agentic Procurement (B2B) → Companies will be able to make bulk purchases directly through ChatGPT
- Zero-party Data advantage → Stronger personalization and segmentation will be possible
In conclusion, Agentic Commerce will redesign customer acquisition channels. The user acquired today through advertising budgets may tomorrow arrive directly from within ChatGPT, "ready to buy". I believe this wind that started with ChatGPT will trigger a much more effective transformation with AI solutions.
In Turkey, when the rollout begins, the first PFs and e-commerce platforms to be ready will be the winners of this transformation. We can say that the period in which PFs and e-commerce platforms will go through intense transformation has begun.
For those who want to start the integration right away, I am leaving the link to the technical integration document below :)
