OpenAI Launches ChatGPT Wallet, Letting AI Agents Shop for You

OpenAI has introduced ChatGPT Wallet, a new feature that enables its Dots AI agents to buy products and book hotels on behalf of users. Announced on November 13, the tool requires users to approve every purchase using Face ID or a fingerprint scan before the agent can complete the payment. The feature is rolling out to eligible ChatGPT Pro subscribers in the United States.

To set up Wallet, users add an eligible card once through Wallet settings or by asking their Dot to open a secure setup form. Their bank may require verification during the process. The card saved in Wallet is separate from the one used to pay for a ChatGPT subscription. At checkout, users are shown the merchant, the item being purchased, the total amount, and the card that will be charged. Each biometric approval creates a record of what the user authorized, though the merchant still has to confirm the order.

After approval, the payment network generates a token with its own card number, security code, and expiry date. The payment is processed on the selected card, but the agent and merchant receive the token instead of the user's actual card details. OpenAI says users retain their existing card rewards and protections for eligible disputes, such as those involving defective goods.

OpenAI built Wallet in partnership with American Express, Mastercard, and Visa. The initial rollout is limited to US ChatGPT Pro subscribers aged 18 or older with a US billing address and an eligible US-issued American Express, Chase, Mastercard, or Visa card. Chase customers must be the primary cardholder. Wallet works within Dots conversations; regular ChatGPT chats, Work, and standalone Codex threads are not included in the initial rollout.

OpenAI expects that users will eventually be able to approve purchases in advance by setting spending caps, eligible purchase categories, or time limits. For now, every purchase requires separate approval. Some websites restrict or block AI agents, which can prevent checkout. To address this, OpenAI has published a Commerce Partner Playbook to help merchants and payment providers recognize legitimate purchases made by agents and process them through their existing checkout systems.