PayPal Boosts AI Efforts with Nvidia Models

Published Date : 29/10/2025 

PayPal has significantly accelerated the time-to-market for its AI solutions by five times after implementing Nvidia Nemotron and Nvidia NIM microservices. 

PayPal, a leading financial technology company, announced on Tuesday (Oct. 28) that it has accelerated the time-to-market of its artificial intelligence solutions by five times after implementing Nvidia Nemotron open models and Nvidia NIM inference microservices.

Within weeks of integrating the Nvidia solutions, PayPal achieved a 50% increase in speed and a significant boost in developer productivity, according to a press release. This dramatic improvement is attributed to two key technological advantages: the intuitive open architecture that streamlines development and the ability to directly fine-tune models rather than relying on less efficient prompt engineering approaches.

PayPal is using Nvidia Nemotron open models to build large language model-powered agentic commerce experiences. By using open models, PayPal can fine-tune AI systems for its specific domains and gain unprecedented control over how it deploys AI to address business challenges. This control allows PayPal to develop intelligent agentic commerce experiences, scale them globally, and maintain its trust and security.

The move toward open models is not just a technological update but a strategic step toward gaining more control of the AI stack, from model selection and training to deployment and optimization. This enables PayPal to deliver AI experiences with greater precision, lower latency, and more reliability than ever before.

PYMNTS reported that PayPal is turning to AI as its account growth and consumer spending slow. For example, the company is integrating its wallet into OpenAI’s ChatGPT. PayPal CEO Alex Chriss said during an earnings call that this partnership will expand payments and commerce in ChatGPT, including adding PayPal Holdings Inc. branded checkout for shoppers and payment processing for merchants using instant checkout.

PayPal also announced its own agentic commerce services, which Chriss said will help merchants sell through multiple AI platforms, including OpenAI, Google, and Perplexity. When Nvidia unveiled a family of large language models called Nvidia Llama Nemotron in January, Nvidia CEO Jensen Huang said they can help developers create and deploy AI agents across various applications.

“AI agents are the new, digital workforce working for and with us,” Huang said. For all PYMNTS AI coverage, subscribe to the daily AI Newsletter. 

Frequently Asked Questions (FAQS): 

Q: What are Nvidia Nemotron and Nvidia NIM?

A: Nvidia Nemotron and Nvidia NIM are open models and inference microservices, respectively, designed to help developers create and deploy AI agents across various applications.

Q: How much did PayPal accelerate its AI solutions?

A: PayPal accelerated the time-to-market of its AI solutions by five times after implementing Nvidia Nemotron and Nvidia NIM.

Q: What benefits did PayPal see from implementing Nvidia solutions?

A: PayPal achieved a 50% increase in speed and a significant boost in developer productivity within weeks of integrating the Nvidia solutions.

Q: What is agentic commerce?

A: Agentic commerce involves using AI agents to facilitate commerce experiences, allowing for more personalized and efficient transactions.

Q: How is PayPal integrating with ChatGPT?

A: PayPal is integrating its wallet into OpenAI’s ChatGPT to expand payments and commerce, including adding a PayPal-branded checkout for shoppers and payment processing for merchants. 

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