OpenAI has launched ChatGPT Wallet for eligible US Pro subscribers, enabling its dots agents to make online purchases using transaction-specific payment tokens after users approve each order.
Built with Visa, Mastercard and American Express, the feature initially supports adults aged 18 and older with eligible US-issued cards. It operates within conversations with dots, OpenAI’s always-on autonomous agents, rather than standard ChatGPT chats.
Users must review the order, total price and selected card before a purchase proceeds. They then complete a biometric check, such as Face ID or a fingerprint scan.
Only after that approval does the payment network issue a token for the transaction.
Each token contains a scoped card number, security code and expiry date tied to the specific purchase. According to OpenAI, this arrangement keeps the actual card number from both the agent and the merchant.
Cardholders retain their rewards and dispute protections, while merchants remain responsible for delivering purchases and handling returns.
Chaya Nayak, OpenAI’s product lead for monetisation and payments, described the launch as an effort to build a safe, easy-to-use foundation with merchants and payment networks.
OpenAI is not taking a transaction cut at launch. The company has left open the possibility that purchases could become another revenue stream.
Its own figures put ChatGPT’s weekly audience at 1.2 billion people, with nearly 100 million paying customers as of the third quarter.
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Other companies are developing competing approaches to agent payments, including Google’s Universal Commerce Protocol and stablecoin-based tools from Coinbase and Circle. Access to retailers remains uneven: Amazon and United Airlines currently block automated purchasing agents on their platforms.
For now, ChatGPT Wallet requires approval for every transaction. OpenAI envisages allowing users to pre-authorise purchases within spending limits, product categories or time windows, but has announced no launch date for that capability.
