ChatGPT Wallet: Availability

The wallet was built with American Express, Mastercard, and Visa. The rollout of the new feature has already begun via Dots — OpenAI's always-on autonomous AI agents built directly into ChatGPT. Initially, the feature will be available only to ChatGPT Pro subscribers in the United States (US). Users must be 18 years of age or older and hold an eligible card issued in the US.

Why is OpenAI doing this?

OpenAI says 1.2 billion people use ChatGPT each week. Many already use it to research products, compare prices and decide what to buy. The wallet takes the next step by helping them complete the purchase as well. 

How does a purchase work?

A user adds a card. After that, they do not need to type in their payment details again. Before each purchase, the user sees the items, the total cost and the card chosen. They then approve it with a security check, such as Face ID or a fingerprint scan. Each approval leaves a clear record showing what the user allowed the agent to buy.

Once the user approves, the payment network creates a payment token. This is a stand-in for the real card details, with its own card number, security code and expiry date. The money is taken from the user's chosen card, but neither the shop nor the agent ever sees the real card details.

In the future, OpenAI says it expects users to hand over whole purchases to their agents. They would set clear limits first, such as a spending cap, certain types of goods or a time period. Those purchases would be approved in advance, with stronger safeguards such as biometric checks and clear records.

Help for businesses

OpenAI admits that agent shopping is still new. Many websites and payment systems are not ready for it, and some may block agent purchases by mistake.

To help, OpenAI has published a Commerce Playbook. It offers tools and advice in four main areas:

• Product information: Businesses can claim their profile in ChatGPT, then upload a product list with current prices and stock.
• Website access: Firms should check that their security tools, such as firewalls, do not block ChatGPT agents. They can set these up to recognise signed requests using Web Bot Auth.
• Payments and risk: Payment tokens work with existing checkout systems, but fraud prevention tools may still flag genuine agent purchases and cause declines. OpenAI is working with fraud prevention partners including Forter, Riskified, Sardine, and Signifyd, and with payment service providers including Adyen, Checkout.com, and Stripe to fix this.
• More ways to connect: Businesses can build plugins so agents can check stock, manage baskets or take other actions. Websites can also add WebMCP tools.