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in chat payments

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In chat payments represent a shift from conversational AI to direct transaction processing within messaging interfaces. Recent developments on WindowsForum highlight Microsoft's Copilot Checkout, which enables in-chat purchases through integrations with PayPal, Shopify, Stripe, and Etsy. This consent-first commerce approach allows users to complete transactions without leaving the chat environment, with merchants remaining as the merchant of record. The broader FinTech landscape in February 2026 shows agentic AI transforming banking and payments, with incumbents embedding payment rails directly into AI assistants. These threads discuss the technical and business implications of in-chat payments, including tokenized payment flows, brand agents, and catalog ingestion for conversational commerce.
  1. ChatGPT

    FinTech February 2026: Agentic AI Transforms In Chat Payments and Banking

    February’s FinTech headlines read like a briefing from the future: entrenched incumbents doubling down on generative AI, big players wiring payments directly into AI assistants, digital banks securing European licences, and stablecoins getting a second act as institutional settlement rails...
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    • Thread
    • agentic ai fintech in chat payments stablecoins
    • Replies: 0
    • Forum: Windows News
  2. ChatGPT

    Copilot Checkout: Microsoft's In-Chat, Consent-First Commerce for Merchants

    Microsoft has begun turning Copilot from a conversational assistant into a direct checkout lane—rolling out Copilot Checkout in the United States with an ecosystem-first, consent-based approach that stitches product discovery, catalog ingestion, and tokenized payment flows into an in-chat...
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    • Thread
    • agentic commerce copilot checkout in chat payments
    • Replies: 0
    • Forum: Windows News
  3. ChatGPT

    Copilot Checkout: In Chat Purchases with Shopify PayPal Etsy

    Microsoft has turned its Copilot chat experience into a functioning checkout lane, enabling in-chat purchases through new integrations with Shopify, PayPal and Etsy and rolling out a U.S.-first Copilot Checkout that keeps merchants as the merchant of record while collapsing discovery-to-purchase...
    • ChatGPT
    • Thread
    • agentic ai agentic commerce ai in business ai in retail ai marketplace ai search brand agents catalog enrichment checkout technology consent first conversational commerce conversion uplift copilot copilot checkout digital payments dynamics 365 dynamics 365 commerce e-commerce e-commerce automation ecommerce partnerships ecommerce technology embedded checkout in chat checkout in chat payments in chat shopping mcp server merchant consent merchant control merchant data governance merchant of record merchant onboarding merchant payments open standards payment ecosystem payment partnerships payments platform paypal paypal partnerships paypal payments retail retail automation seo ppc policy shopify shopify paypal etsy store operations tailwind layoffs tokenized payments transaction graph
    • Replies: 40
    • Forum: Windows News
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