SAN FRANCISCO - OpenAI introduced ChatGPT Wallet on Nov. 13, enabling AI agents to complete online purchases on behalf of users without accessing their actual payment card details. Built with American Express, Mastercard, and Visa, the tool requires a security check for every transaction and is rolling out initially to ChatGPT Pro subscribers aged 18 and older in the United States.
What happened?
OpenAI noted that 1.2 billion people use ChatGPT each week to research products and compare shopping options. "Built in partnership with American Express, Mastercard, and Visa, ChatGPT Wallet will initially be available through dots for ChatGPT Pro subscribers in the US," OpenAI stated in its Nov. 13 announcement. After a user reviews the order total and approves via Face ID or fingerprint scan, the payment network issues a substitute payment token so neither the merchant nor the AI agent sees actual card details, while preserving existing card rewards and dispute protections.
Why does it matter?
As agentic commerce emerges, existing website firewalls and fraud-risk systems frequently block legitimate automated purchases. Alongside the launch, OpenAI released a Commerce Partner Playbook and partnered with fraud-prevention firms including Forter and Riskified as well as payment processors Adyen, Checkout.com, and Stripe to help merchants recognize verified agent transactions.
What comes next?
OpenAI will monitor real-world usage among U.S. ChatGPT Pro subscribers before expanding availability to additional users, banks, and payment networks. Over time, the company expects users to delegate purchases entirely by setting preset spending limits, categories, and time periods backed by biometric authorization records.
