OpenAI has launched ChatGPT Wallet, a new payment feature that allows its AI agents, known as dots, to make purchases on behalf of users.
The feature marks another step toward AI-powered shopping, allowing ChatGPT to handle transactions while keeping users in control of their payments.
Initially available to ChatGPT Pro subscribers in the United States aged 18 and older, ChatGPT Wallet works with eligible US-issued payment cards from American Express, Mastercard, Visa, and Chase. Users can add their payment card once and allow their dot agent to help find products and complete purchases without repeatedly entering payment information.
Now your dot can securely complete purchases on your behalf—with your approval. With ChatGPT Wallet, agents pay without access to your actual card details. Every purchase requires a security check. ChatGPT Wallet is rolling out starting today to dots, for Pro subscribers in the US. https://t.co/OnAl3SKQ3n
— ChatGPT (@ChatGPT) November 13, 2026
However, users must approve every transaction before payment is completed. ChatGPT displays the selected items, total cost, and payment card before requesting authorization through a security check such as Face ID or fingerprint verification. This creates a record of each approved purchase.
OpenAI says the system uses payment tokens instead of exposing users’ actual card details. After approval, the payment network generates a token that allows the transaction to proceed without giving the AI agent or merchant access to the original card information. Users can also retain existing card rewards and protections for eligible purchase disputes.
The company developed ChatGPT Wallet in partnership with American Express, Mastercard, and Visa to make AI-driven payments work with existing payment infrastructure. However, the feature may not work with every online retailer, as some websites and payment systems may block or flag transactions initiated by AI agents.
Alongside the launch, OpenAI has released a Commerce Partner Playbook to help businesses prepare their websites, payment systems, and security infrastructure for AI-powered shopping. The company is also working with payment service providers and fraud prevention companies to improve support for legitimate agent-initiated transactions.
OpenAI says it plans to expand the feature based on feedback from its initial rollout. In the future, users may be able to give their AI agents permission to make purchases within predefined spending limits, product categories, or time periods, reducing the need to approve every individual transaction.
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For now, ChatGPT Wallet remains limited to eligible US users, but its launch signals OpenAI’s growing interest in turning AI assistants into agents capable of handling everyday tasks, including online shopping and payments.
