OpenAI has launched ChatGPT Wallet, a payments feature that lets an AI agent buy things for you without ever seeing your card number. Every purchase needs your approval first, by confirming it on your device with Face ID or your fingerprint.
For now it is a small rollout. Wallet is open only to ChatGPT Pro subscribers in the United States who are 18 or older, and it works with the “dots” agents that OpenAI added to ChatGPT. OpenAI says the narrow start is meant to teach it what breaks in real use, and to give it time to fix compatibility with shops, banks and card networks.
Here is how a purchase runs, going by OpenAI’s announcement. The agent finds what you asked for and brings it to a checkout. You then see the items, the total and the card you picked, and confirm with your phone’s security check. Each approval leaves a record of what you authorised.
Once you say yes, the card network hands over a disposable token that works like a card number for that purchase. The charge still lands on your chosen card, but the shop and the agent only ever handle the token. OpenAI says this keeps existing card rewards and dispute protections working for eligible purchases, and it describes Wallet as the first of its kind to pay without exposing real card details and to demand a security check on every purchase.
Visa, Mastercard and American Express are the networks named as partners. A limit applies on the shop side too: Wallet will not work on websites that block AI agents, which a growing number of retailers do. OpenAI gives no date for opening Wallet beyond US Pro users.
