Overview
- OpenAI rolled out ChatGPT Wallet in a limited launch on Friday, Nov. 13, for U.S. ChatGPT Pro subscribers aged 18 and over with eligible U.S. Visa, Mastercard or American Express cards.
- Users add a card once and must review each order and approve every payment with a biometric check such as Face ID or Touch ID before the agent completes the purchase.
- Payments use tokenization: the card network issues a single‑use substitute card number for each transaction so the agent and the merchant never see the real card details.
- OpenAI built the feature with American Express, Mastercard and Visa and published a Commerce Partner Playbook while working with processors and fraud vendors to reduce declines and help merchants accept agent checkouts.
- The rollout does not include a transaction fee for OpenAI and faces practical limits because some major retailers and fraud systems currently block or flag agent activity, and OpenAI plans future controls for delegated purchases such as spending limits and category or time restrictions.