By Anjali Sharma
WASHINGTON – OpenAI on Saturday has launched ChatGPT Wallet, allowed its artificial intelligence agents to complete purchases on behalf of users without accessing their actual card details.

The feature, developed with American Express, Mastercard and Visa, requires users to review and approve each transaction through a security check.

It is initially available through dots to eligible US-based Pro subscribers, the feature preserves qualifying card rewards and dispute protections while merchants remain responsible for orders, returns and customer service.

The wallet extends ChatGPT’s role from helping people research and compare products to completing purchases through OpenAI’s AI agents, known as dots.

The company said 1.2 billion people use ChatGPT every week, with many already relying on the platform to research products, compare options and make purchasing decisions.

The users can save an eligible payment card to ChatGPT Wallet and instruct their AI agent to make a purchase.

They must review the items, total amount and selected payment card before checkout.

The transaction requires biometric approval, such as Face ID or fingerprint authentication.

The payment network generates a substitute payment credential, or token, allowing the transaction to proceed without exposing the user’s actual card details to the agent or merchant once authorized.

Each approval also creates a record of the purchase authorized by the user.

OpenAI said the system is designed to work with existing payment infrastructure. Users retain eligible card rewards and protections for qualifying disputes, while merchants continue to control pricing, fulfillment, returns and customer service.

The feature is being rolled out through dots to ChatGPT Pro subscribers aged 18 and above in the US.

Users must have an eligible US-issued payment card and a US billing address.

OpenAI has not announced a date for wider international availability.

The company said it would use feedback from the initial rollout to improve compatibility and reliability before expanding access.

Three payment networks are working with OpenAI to enable transactions initiated by AI agents while maintaining existing payment safeguards.

Sherri Haymond, Executive Vice President and Global Head of Digital Commercialization at Mastercard, emphasized the importance of retaining trust in agent-led transactions.

“An agent making a purchase should strengthen, not bypass, the trust built into payments,” she said.

Luke Gebb, Executive Vice President and Head of Global Innovation at American Express, described ChatGPT Wallet as the company’s first American Express Agentic Commerce Experiences integration.

Rubail Birwadker, Head of Global Growth at Visa, said consumer, business and banking trust would be essential to the development of agentic commerce.

OpenAI has released a Commerce Partner Playbook to help businesses prepare their websites and payment systems for purchases initiated by AI agents.

The guidance covers making product information available, allowing agents to access websites and helping payment and fraud-prevention systems recognize legitimate transactions.

OpenAI is working with fraud-prevention companies including Forter, Riskified, Sardine and Signifyd, alongside payment providers Adyen, Checkout.com and Stripe.

The company acknowledged that some websites and payment systems may initially block or decline legitimate purchases initiated by agents.

OpenAI expects users eventually to be able to delegate purchases more fully by setting spending limits, permitted product categories and time periods.

It added that such purchases could be pre-approved under additional safeguards, including biometric checks and records of authorization.

The wallet requires users to approve each purchase individually, with OpenAI focused on improving reliability and compatibility during its initial US rollout.