Synchrony partners with OpenAI to enable store card purchases directly inside ChatGPT within a year.

Synchrony Financial is collaborating with OpenAI to allow shoppers to buy products directly inside ChatGPT using store-branded credit cards from brands like Amazon, Walmart, and Lowe's. This initiative aims to integrate payments fully within ChatGPT, potentially taking six to 12 months for general-purpose cards and longer for private label cards. The move is part of a broader push to embed financing, payments, and rewards into AI chatbots, enhancing the online shopping experience. Synchrony is also exploring partnerships with other AI platforms and has launched a ChatGPT plugin to showcase deals and offers, signaling a shift toward agentic commerce as OpenAI prepares for its IPO.