What is ChatGPT Wallet? Everything to know about OpenAI’s AI payment feature
OpenAI has launched ChatGPT Wallet, a payment feature that enables its “dots” AI agents to complete online purchases on users’ behalf, without ever seeing actual card details.
Built in partnership with Visa, Mastercard, and American Express, the wallet is initially limited to U.S. ChatGPT Pro subscribers aged 18 and older with eligible U.S.-issued cards.
It works only within conversations with dots, OpenAI’s always-on autonomous agents, instead of standard ChatGPT chats.
Every transaction needs the user to review the order, total and selected card, then complete a biometric check such as Face ID or a fingerprint scan.
Once approved, the payment network issues a token containing a scoped card number, security code, and expiration date tied to that specific transaction, meaning neither the agent nor the merchant sees the real card number.
Cardholders keep their rewards and dispute protections, and merchants remain responsible for delivery and returns.
Chaya Nayak, who leads product for monetisation and payments at OpenAI, said: “Our goal here is to really focus on merchants and our network partners and start building out a really great foundation that’s safe and easy to use.”
OpenAI is not taking a transaction cut at launch, though purchases could eventually open a new revenue line. The company says 1.2 billion people use ChatGPT weekly, with nearly 100 million paying customers as of the third quarter.
The launch puts ChatGPT in competition with Google’s Universal Commerce Protocol and stablecoin-based agent payment tools from Coinbase and Circle. Some retailers, including Amazon and United Airlines, currently block automated agents from purchasing on their platforms.
OpenAI expects users to eventually pre-approve purchases within set spending limits, categories or time windows, but has not said when that capability will arrive.
