Overview
- OpenAI launched ChatGPT Wallet on Friday, November 13, letting its Dots agents complete purchases for U.S. ChatGPT Pro subscribers who add an eligible U.S.-issued card.
- The Wallet uses tokenized payment credentials so merchants and agents never see actual card numbers and requires a user security check such as Face ID or fingerprint approval before every purchase.
- OpenAI built the feature with American Express, Mastercard and Visa and says users keep existing card rewards and dispute protections while OpenAI will not take a cut of transactions at launch.
- Some retailers and payment-fraud systems currently block or flag agent-driven checkouts, so OpenAI published a Commerce Partner Playbook and is working with fraud vendors and payment processors to reduce declines.
- OpenAI plans to add user-configurable pre-authorization controls that set spending limits, allowed categories or time windows for agents to act more autonomously, a step that could expand practical uses but will depend on merchant acceptance and fraud-system changes.