WMT · News · 20260817N

Payment Partnerships and Integration

Walmart Inc. · 2026-08-17 · Importance 31 · Surprise 42

Synchrony Financial is working with OpenAI to enable shoppers to use Amazon, Walmart, and Lowe's store cards within ChatGPT shopping experiences. General-purpose card integration is expected within six to twelve months, while retailer-specific private-label cards may take a year or longer because of retailer negotiations. The initiative must address fee sharing, consumer concerns about sharing payment details with AI systems, and European regulatory requirements for agentic payments.

Key facts

• Full integration for general-purpose cards in the Synchrony–OpenAI ChatGPT shopping work is expected in six to twelve months, with store-specific cards taking longer due to individual retailer negotiations. source