OpenAI introduces ChatGPT Wallet, letting Dots AI agents make purchases for U.S. Pro subscribers with user approval and payment tokens.
OpenAI has introduced ChatGPT Wallet, a payment feature that allows its Dots AI agents to make purchases on behalf of users. The service is available to U.S.-based ChatGPT Pro subscribers aged 18 and older.
Users add an eligible payment card once. Each purchase must be approved by the user through a security check, such as Face ID or a fingerprint scan. Before approving, customers can review the merchant, items, total amount, selected card, and available shipping or recurring-payment terms.
Following approval, the payment network generates a token containing substitute card credentials, allowing the transaction to be charged without exposing the user's actual card details to the agent or merchant.
OpenAI developed the service with American Express, Mastercard and Visa. The company says the service preserves existing card rewards and protections for eligible disputes, though transactions remain subject to card-issuer authorization and merchant acceptance.
The wallet is restricted to Dots conversations and is unavailable in ordinary ChatGPT, Work, or standalone Codex conversations. Not every merchant, device, or card is supported. Eligible Chase cardholders must be primary account holders, while virtual cards cannot be added at launch.
OpenAI is not taking a cut of transactions at launch. The company plans to introduce advance purchase authorization based on spending limits, purchase categories, or time periods, subject to additional safeguards. Those capabilities are not part of the initial rollout.
The launch gives AI agents a direct path to complete commercial transactions for consumers, while requiring human approval for each purchase and using tokenized payment details to protect card information.
Sources
This article was drafted with AI assistance and checked against the sources above. Company claims are reported as claims. Cover image is AI-generated.
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