ChatGPT Wallet will initially be available through OpenAI’s personal AI agents, dots, for ChatGPT Pro subscribers aged 18 years and older in the United States with eligible U.S.-issued cards, according to the release.
OpenAI built ChatGPT Wallet in partnership with American Express, Mastercard and Visa, per the release.
“1.2B people use ChatGPT each week, and many of them turn to it to research products, compare options and decide what to buy,” OpenAI said in the release. “With ChatGPT Wallet, we’re now helping people complete purchases, and giving their agents a way to pay that businesses can accept with their existing systems.”
To make purchases with ChatGPT Wallet, users add a card once; review each purchase’s items, total and selected card; and approve the purchase with a security check such as a Face ID or a fingerprint scan, according to the release.
After this approval, the payment network provides a payment token, and the payment is charged to the user’s card without ChatGPT Wallet sharing the actual card details with the business or agent, the release said.
Over time, OpenAI plans to enable users to delegate purchases entirely to their agents, with clear parameters and preapprovals with enhanced safeguards, per the release.
To help businesses adapt to agentic commerce, OpenAI has published a Commerce Partner Playbook that explains how they can make product information available, ensure agent access, and work with payment and risk providers to reduce unnecessary declines, according to the release.
“We’ll work with businesses, banks and payment networks to learn from early use and expand availability, helping more customers and businesses benefit from agentic commerce,” OpenAI said in the release.
The PYMNTS Intelligence report “Will the 2026 Shopping Season Go Agentic?” found that while consumers are comfortable delegating research to an AI tool, they are much less comfortable delegating identity, payment choice or an irreversible decision.
“That doesn’t mean agentic commerce is a false start,” the report said. “It means the market is building toward a more controlled form of delegation. One where the agent does the work, the consumer sets the rules, a familiar payment provider protects the credential and the transaction pauses when choice becomes consequential.”
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