What OpenAI builds for agent payments
OpenAI’s Instant Checkout turns ChatGPT into a storefront: the model recommends a product, the user confirms, payment completes without leaving the chat. ACP is the open standard behind that flow so other agents and merchants can interoperate.
If you sell to consumers through AI interfaces, OpenAI + ACP is the distribution bet. If you sell API access to autonomous agents, look at x402 and paid MCP servers instead.