PayPal's AI-powered checkout assistant improved merchant conversion rates by 19% in controlled A/B tests across 2,400 participating merchants, the company disclosed at its annual Commerce Summit. The assistant analyzes buyer context — device, time of day, cart contents, payment history — to recommend optimal payment methods and surface relevant offers.
For example, a buyer with a high cart value on mobile at 11 PM might be offered Pay in 4 installments, while the same buyer on desktop during business hours sees a one-click PayPal balance payment. The AI also personalizes the order of payment options presented, moving the most likely selection to the top.