OpenAI launches ChatGPT Wallet with American Express, Mastercard and Visa to let its agents pay

OpenAI has started rolling out ChatGPT Wallet, built with American Express, Mastercard and Visa. It lets OpenAI's agents, called dots, complete online purchases on a user's behalf without seeing the card number.

A user adds a card once. Before each purchase the user reviews the items, the total and the card, then approves with Face ID or a fingerprint. The card network then issues a payment token with its own number, security code and expiry date, and the charge lands on the real card. Rewards and dispute protections stay in place.

Access is limited to ChatGPT Pro subscribers in the US aged 18 or older with eligible US-issued cards, and only inside dots.

OpenAI also published a Commerce Partner Playbook, since merchant fraud systems may decline legitimate agent purchases. It is working with Forter, Riskified, Sardine and Signifyd, and with Adyen, Checkout.com and Stripe.