Overview
- ChatGPT Wallet launched on Friday, November 13, 2026, and is available to U.S. ChatGPT Pro subscribers aged 18 and older to let OpenAI’s autonomous “dots” agents finish purchases with user approval.
- Payments use tokenized card credentials from American Express, Mastercard and Visa so dots never see real card numbers and cardholders keep rewards and standard dispute protections.
- Every agent-backed purchase requires the user to review the items and approve the transaction with a security check such as Face ID or a fingerprint, which OpenAI says creates a record of consent.
- OpenAI published a Commerce Partner Playbook and is working with payment processors and fraud vendors to reduce declines and fix cases where merchants or anti-fraud systems block agent checkouts.
- The initial rollout does not charge transaction fees to OpenAI and is a cautious test that could expand features like pre-approved spending limits and broader merchant support as the company scales agentic commerce.