OpenAI has officially launched ChatGPT Wallet, a new payment feature that allows its Dots AI agents to handle online checkouts and transactions for users. The system enables users to securely save a credit or debit card to a wallet, which the AI can then use to navigate checkouts and execute payments during agentic workflows, such as booking trips or comparing products.
The feature is rolling out starting today for ChatGPT Pro subscribers in the United States who are 18 years of age or older and use a US billing address. To be eligible, users must use "eligible US-issued American Express, Chase, Mastercard and Visa cards."
To maintain security, OpenAI states that every individual purchase requires explicit human confirmation. This process involves a security check with biometric verification, such as Face ID or a fingerprint scan, before any transaction is finalized. Once a user reviews and signs off on a purchase, OpenAI says it substitutes credit card details with a payment token. This method ensures that actual card information is not shared with the Dots agent or the merchant.
The News reports that OpenAI has released a commerce partner playbook and is working closely with payment service providers such as Stripe, Adyen, and Checkout.com to help online businesses adapt their firewalls, content delivery networks, and risk filters to properly recognize and accept legitimate AI agent transactions.
OpenAI notes that some retailers may currently have restrictions on AI agents or block them entirely, citing that Amazon blocked Meta’s Muse agents earlier this year. To address this, OpenAI states that "websites need to ensure agents are not inadvertently blocked, and payment and risk systems need to recognize legitimate purchases made by agents."
Looking ahead, OpenAI says it expects "users to be able to delegate purchases entirely to their agent by setting clear parameters—such as spending limits, purchase categories, or time periods—and pre-approve those purchases."
