OpenAI launches ChatGPT Wallet so its dot agents can pay for purchases
OpenAI launched ChatGPT Wallet on Friday, November 13, giving its AI agents, called dots, a way to complete purchases for US ChatGPT Pro subscribers. Every purchase still needs the user's approval, and OpenAI says the agent and the store never see the real card number.
How ChatGPT Wallet works
Users add a card once. Before each purchase, the wallet shows the items, the total and the selected card, and the user approves the purchase with a security check such as Face ID or a fingerprint scan. OpenAI says each approval creates a record of what the user authorized the agent to buy.
After approval, the card network provides a payment token: a stand-in card number, security code and expiration date. The purchase is charged to the user's card, but the real card details aren't shared with the business or the agent. OpenAI says cardholders keep their existing card rewards and their protections for eligible disputes.
OpenAI built the wallet in partnership with American Express, Mastercard and Visa. It calls ChatGPT Wallet the "first wallet that lets agents pay without access to users' actual card details."
Who can use it
ChatGPT Wallet is rolling out first inside dots, OpenAI's AI agents, which can now complete purchases on a user's behalf once the user approves them.
At launch, the wallet is limited to ChatGPT Pro subscribers in the US who are 18 or older and have an eligible US-issued card. OpenAI says it plans a wider rollout after this early phase. It hasn't given a date.
OpenAI also says it eventually wants users to hand purchases over entirely, with limits such as a spending cap, purchase categories or a time window. That isn't part of this launch.
Why some sites won't accept it
The wallet won't work on websites that block AI agents, and many sites and payment systems still treat agents as bots or reject their purchases for security reasons. To address that, OpenAI published a Commerce Partner Playbook for businesses. It explains how stores can avoid blocking ChatGPT's cloud browser by accident, submit product feeds so ChatGPT shows accurate products and work with payment providers such as Stripe, Adyen and Riskified.
What it means for you
Most people can't use ChatGPT Wallet yet. It needs a ChatGPT Pro subscription, a dot and a US-issued card, so free and Plus users can't use it, and neither can anyone outside the US. OpenAI hasn't said when that will change.
If you do have access, you stay in control of each order: nothing is bought until you review it and pass a biometric check, and your card number stays out of the agent's hands. Some checkouts may fail, since sites that block agents won't accept the wallet. If an order goes wrong, your card's usual dispute rights still apply to eligible purchases.