OpenAI has introduced ChatGPT Wallet, a new payment feature that allows its Dots AI agents to make online purchases on behalf of users while keeping transaction approvals under their control.
Initially available to ChatGPT Pro subscribers aged 18 and above in the United States with eligible US-issued cards, the service allows users to add a credit card once and let their AI agents find products and prepare purchases.
Before each transaction, users must review the selected items, total amount and payment card, then approve the purchase through a security check such as Face ID or fingerprint authentication.
OpenAI says the wallet does not share actual card details with AI agents or retailers. Instead, payment networks generate tokens that act as substitutes for card information. The system is designed to work with existing online checkout systems.
American Express, Mastercard and Visa have partnered with OpenAI to support the feature. The company is also working with businesses, banks, fraud prevention firms and payment providers to improve the reliability of agent-led purchases.
For now, every payment requires user approval. However, OpenAI plans to eventually allow users to delegate purchases by setting spending limits, product categories and time periods, with additional safeguards.
Some websites currently block AI agents, while payment systems may flag their transactions as suspicious.
OpenAI is working with industry partners to address these challenges before expanding access.
The launch marks another step towards AI agents handling everyday online tasks, including product searches, shopping and payments.
