AI Checkout

AI checkout is the capability for consumers to purchase products directly within an AI agent conversation. Instead of the AI recommending a product and sending the consumer to a retailer's website to complete the purchase, AI checkout keeps the entire transaction -- product selection, payment, and order confirmation -- inside the AI interface.

This is the commerce equivalent of the "zero-click" trend in search. Consumers get what they need without leaving the platform they started in. The implications for retailers are significant: the AI agent becomes the point of sale, and the consumer may never see your website, your branding, or your checkout experience.

AI checkout is currently implemented across multiple platforms, each using different technology:

• ChatGPT Instant Checkout: Powered by ACP and Stripe. 4% transaction fee. Available to U.S. users.
• Perplexity Buy with Pro: One-click checkout for Pro subscribers with saved payment info. PayPal/Venmo checkout for all users.
• Google AI Mode: Leverages Google Pay and existing Google Shopping checkout infrastructure through UCP.
• Microsoft Copilot: ACP-compatible checkout through Stripe integration.

AI checkout follows a general pattern across platforms:

1. Product selection. The consumer tells the AI agent what they want. The agent searches its product index and presents options with images, prices, and details.

2. Purchase intent. The consumer selects a product and indicates they want to buy. The agent displays variant options (size, color, quantity) if applicable.

3. Payment processing. The AI platform handles payment through its integrated payment infrastructure. The consumer's payment credentials are managed by the payment processor (Stripe, PayPal, Google Pay) -- never exposed to the merchant or the AI model directly.

4. Order confirmation. The merchant's system confirms the order, and the AI agent relays confirmation details (order number, estimated delivery, tracking) back to the consumer in the conversation.

Security is handled through established payment rails. Stripe's tokenization (for ACP), PayPal's buyer protection (for Perplexity), and Google Pay's security layer (for AI Mode) all provide the same transaction security consumers expect from traditional online checkout.

Enabling AI checkout requires platform-specific integration:

For ChatGPT: Implement ACP through Stripe's Agentic Commerce Suite. This requires a Stripe account, ACP-compliant product feed, and checkout flow implementation. Shopify merchants are auto-enrolled; other platforms need direct integration or a middleware provider.

For Perplexity: Join the Merchant Program and enable PayPal/Venmo checkout. This involves PayPal business account setup and Merchant Program enrollment for better product indexing.

For Google AI Mode: Ensure products are in Google Merchant Center with complete data. Google Pay integration through existing Google Shopping infrastructure. UCP compliance for full agentic checkout capabilities.

For all platforms: Real-time inventory accuracy is critical. An AI checkout that fails because a product is out of stock damages consumer trust in both the AI platform and the merchant. MCP integration provides live inventory data to prevent this.

Managing checkout integration across all platforms individually is a significant engineering effort. AI commerce platforms like Paz.ai handle multi-platform checkout compliance through a single integration.