Synchrony Financial, which issues store credit cards for Amazon, Walmart and Lowe's, is working with OpenAI to let shoppers pay directly inside ChatGPT instead of being redirected to a retailer's site. Chief strategy officer Maran Nalluswami says general-purpose cards are six to twelve months away, with store-specific cards taking longer since each retailer must be onboarded separately. Transactions do not yet cleanly complete at providers like OpenAI. Synchrony is also talking to Anthropic and Google about embedding cards in Claude and Gemini. Unresolved issues include how fees get split among retailer, issuer, and OpenAI, consumer wariness about handing card details to AI, and in Europe, PSD2's strong customer authentication rules, which assume a person explicitly authorizes each payment and have no clear framework yet for delegated agentic purchases.
Questions this post answers
How long will it take for Synchrony credit cards to work for purchases inside ChatGPT?
General-purpose Synchrony cards are expected to take six to twelve months to work inside ChatGPT, according to Synchrony's chief strategy officer Maran Nalluswami. Store-specific private label cards for retailers like Amazon, Walmart, and Lowe's will take longer because each retailer must be onboarded separately, and transactions do not yet cleanly complete at providers like OpenAI. Anyone tracking agentic commerce rollouts can follow how ChatGPT payment integrations progress on daily.dev.
Why can't AI agents easily make payments for European consumers under PSD2?
PSD2's strong customer authentication rules assume a person authorizes a specific payee, amount, and moment for each transaction, which conflicts with agentic payment products designed so users don't have to be present. There is no separate regulatory regime or supervisory guidance yet for agentic payments in Europe, leaving unclear whether delegating purchase authority to an AI counts as valid authorization. Developers building payment flows across regions can watch regulatory shifts around agentic commerce on daily.dev.
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