One billion two hundred million people use ChatGPT each week, and OpenAI has launched ChatGPT Wallet to let AI agents complete purchases for users without exposing real card details, gHacks reported.
OpenAI built the wallet with American Express, Mastercard, and Visa. The system is available first to ChatGPT Pro subscribers in the US through OpenAI’s dots feature.
Users add a card once. For every purchase, the user reviews the items, the total, and the selected card, then approves the transaction with a security check like Face ID or a fingerprint scan.
The payment network creates a payment token, which acts as a substitute card number with its own security code and expiration date. Transactions are billed to your chosen card while keeping your actual card information hidden from both the merchant and the agent.
Each approval creates a record of what the user authorized the agent to buy. Users keep the rewards of their card and its protections for eligible disputes, such as when an item arrives defective.
OpenAI plans to let users hand purchases over to their agent completely in the future. Users would set clear limits for spending limits, purchase categories, and time periods.
OpenAI published a Commerce Partner Playbook for businesses to help them make product information available and let ChatGPT agents reach a website. To prepare, OpenAI advises merchants to set up their firewall or CDN to accept verified ChatGPT agent requests via Web Bot Auth and to verify their business on ChatGPT so they can submit a product inventory feed containing up-to-date pricing and availability.
“An agent making a purchase should strengthen, not bypass, the trust built into payments,” Mastercard said.
American Express called the wallet its first Agentic Commerce Experiences integration.
There is currently no official timeline from OpenAI regarding the rollout of ChatGPT Wallet to free users, Plus subscribers, or international markets outside the United States.
