OpenAI announced ChatGPT Wallet, a new feature that allows its Dots AI agents to complete purchases on users' behalf. Built in partnership with American Express, Mastercard, and Visa, the feature is initially available only to ChatGPT Pro subscribers in the US.
How ChatGPT Wallet handles payments
Users add a payment card to the Wallet once, then ask a Dot agent to find items such as clothing or hotel bookings. At checkout the interface shows the merchant, the items, the total, and the selected card, and the user must approve the transaction with a biometric check such as Face ID or a fingerprint scan. Each approval creates a record of what the user has authorized the agent to buy.
Your actual card details are not shared with the agent or the merchant. After approval, the payment network generates a token that includes its own card number, security code, and expiration date; that token is charged to the user's card. OpenAI says customers will keep their card's existing rewards and the card issuer's protections for eligible disputes, for example when an item turns out to be defective.
Availability and card eligibility
ChatGPT Wallet starts rolling out today inside Dots for ChatGPT Pro users aged 18 and over in the United States. OpenAI lists eligible US-issued cards as:
- American Express
- Chase
- Mastercard
- Visa
Limitations, merchant compatibility, and future plans
OpenAI says the system is not yet designed to allow agents to make purchases entirely on their own. The company plans to add delegated purchasing options later, including the ability to set spending limits, restrict purchase categories, set time periods, and pre-approve certain transactions.
The feature depends on merchants accepting agent-driven traffic. Because some sites currently block AI agents, OpenAI is publishing a Commerce Partner Playbook for businesses that explains how to avoid inadvertently rejecting legitimate purchases made by agents and how to configure sites and payment systems for agent transactions.
Product context
ChatGPT Wallet follows the launch of ChatGPT Finance, introduced a few months earlier to let users connect bank accounts to the chatbot, and comes well over a year after ChatGPT Agent first enabled the chatbot to perform tasks on users' behalf.
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