OpenAI Launches ChatGPT Wallet for Agent Payments

OpenAI has introduced ChatGPT Wallet to enable AI agents to complete purchases on a user's behalf without giving businesses access to actual card details. The product requires a security check, such as Face ID or a fingerprint scan, for every purchase, while preserving existing card rewards and dispute protections.

Built in partnership with American Express, Mastercard, and Visa, the feature is initially rolling out through dots for ChatGPT Pro subscribers aged 18 and older in the US with eligible US-issued cards. According to OpenAI, 1.2B people use ChatGPT each week, with many using the platform to research and compare products before deciding what to buy.

When making a purchase, users review the items, total amount, and selected card before approving the transaction using a security check such as Face ID or a fingerprint scan. Once approved, the payment network provides a payment token—a substitute for the card details that includes a card number, security code, and expiration date. The payment is charged to their selected card without ChatGPT Wallet sharing their actual card details with the business or agent.

To help merchants adapt to agentic commerce, OpenAI published a Commerce Partner Playbook. The guide provides recommendations to help businesses prevent site security systems or firewalls from inadvertently blocking ChatGPT agents using Web Bot Auth. OpenAI is also collaborating with fraud prevention partners including Forter, Riskified, Sardine, and Signifyd, alongside payment service providers like Adyen, Checkout.com, and Stripe to help their systems recognize legitimate agent transactions.

OpenAI expects to allow users to delegate purchases to agents by setting parameters like spending limits, purchase categories, or time periods in the future.