OpenAI launches ChatGPT Wallet for AI agent purchases

OpenAI has begun rolling out ChatGPT Wallet, which lets its personal AI agents, called dots, pay for purchases after the user approves each transaction.

A dot can find a product or hotel and handle checkout. Before it pays, the user reviews the purchase, total and selected card, then confirms with a biometric check such as Face ID or a fingerprint scan. The payment network issues a token so neither the merchant nor the agent sees the actual card details. OpenAI says the wallet works in conversations with dots.

OpenAI built the wallet with American Express, Mastercard and Visa. Users keep their existing card rewards and protections for eligible disputes, and merchants still handle fulfillment and returns.

The rollout starts with U.S. ChatGPT Pro subscribers aged 18 or older who have an eligible U.S.-issued card and a U.S. billing address. OpenAI says it’s starting with limited availability “so we can learn from real-world use and work with businesses, banks, and payment networks to improve compatibility and reliability.”