OpenAI Launches ChatGPT Wallet So Agents Can Pay Without Seeing Your Card Details

OpenAI has introduced ChatGPT Wallet, a payment wallet that lets AI agents in ChatGPT pay for purchases on a user's behalf. The agent never gets the user's real card details, and every purchase needs a security check. OpenAI built the wallet with American Express, Mastercard, and Visa.

ChatGPT Wallet is available first to ChatGPT Pro subscribers in the US, through OpenAI's dots feature. OpenAI says it is starting with limited availability to learn from real use and to work with businesses, banks, and payment networks on compatibility.

How a ChatGPT Wallet Purchase Works

Users add a card once and then approve each purchase without entering payment details again. The process for every purchase is:

1. The user reviews the items, the total, and the selected card.
2. The user approves the purchase with a security check, such as Face ID or a fingerprint scan.
3. The payment network creates a payment token, a substitute card number with its own security code and expiration date.
4. The purchase is charged to the selected card, without the real card details going to the business or the agent.

Each approval creates a record of what the user authorized the agent to buy. Users keep the rewards of their card and its protections for eligible disputes, for example when an item arrives defective. Users buy directly from the business, which keeps control over pricing, delivery, returns, and customer service.

OpenAI says 1.2 billion people use ChatGPT each week, and that people turn to it to research products and compare options before they buy. The wallet is meant to let them complete the purchase as well.

Spending Limits and Tools for Businesses

OpenAI plans to let users hand purchases over to their agent completely in the future. Users would set clear limits, such as:

• spending limits
• purchase categories
• time periods

Purchases inside those limits would be approved in advance, with biometric checks and records of authorization.

Some websites block agent purchases without meaning to. Alongside the wallet, OpenAI has published a Commerce Partner Playbook for businesses. It covers making product information available, letting ChatGPT agents reach a website, and working with payment and risk providers to reduce unnecessary declines.

OpenAI recommends that businesses configure their CDN or firewall to recognize signed requests from ChatGPT agents through Web Bot Auth, and claim their business in ChatGPT to upload a product feed with current prices and stock.

American Express calls the wallet its first Agentic Commerce Experiences integration. Mastercard says an agent making a purchase "should strengthen, not bypass, the trust built into payments."

OpenAI has not said when ChatGPT Wallet will reach Plus or free users, or countries outside the US.