OpenAI launches ChatGPT Wallet for AI agent purchases

OpenAI launches payment feature

OpenAI announced ChatGPT Wallet on Friday, a new payment feature that enables its dots artificial intelligence agents to make purchases on behalf of users.

Built with major card networks

OpenAI built ChatGPT Wallet in partnership with American Express, Mastercard and Visa. Cardholders maintain their existing credit card rewards and protections.

How the wallet works

Users enter card information once, prompt their dot to find items to buy and approve each purchase with a security check. Dots never access actual card details.

Payment tokens protect users

Payment networks provide dots with a payment token containing a scoped card number, security code and expiration date specific to each transaction, not the actual card.

Limited rollout to Pro users

ChatGPT Wallet is initially available to OpenAI's Pro subscribers in the U.S. who are over eighteen years old. The limited rollout is intentional to ensure things work properly.

“the right approach to make sure things are working”

No transaction fees yet

OpenAI said it is not taking a cut of transactions to start. The company is working to build relationships with merchants and position itself as a serious shopping platform.

Some merchants blocking agents

United Airlines said it will block agents from accessing its systems to book tickets. Amazon prevents agents from purchasing products on its platform.

OpenAI guides merchants forward

OpenAI said agentic commerce is still in its early days and published tools and guidance to help businesses navigate the transition and avoid blocking its agents.