Overview
- ChatGPT Wallet, which OpenAI announced on Nov. 13, is rolling out to U.S. ChatGPT Pro subscribers aged 18 and older who hold eligible U.S.-issued Visa, Mastercard or American Express cards.
- Users add a card once and must review the merchant, items and total before approving each purchase with a biometric check such as Face ID or a fingerprint scan.
- Payments use single-use payment tokens so neither the dot agent nor merchants see actual card numbers and users keep card rewards and dispute protections.
- OpenAI built the wallet with major card networks and is coordinating with fraud and payment vendors including Forter, Riskified, Sardine, Signifyd, Adyen, Checkout.com and Stripe to reduce declines.
- The rollout is deliberately limited while OpenAI studies real-world use, publishes a Commerce Partner Playbook for merchants and plans future features such as pre-approved purchases within set limits, but some retailers and risk systems currently block or decline agent-driven checkouts.