Sardine partners with OpenAI to help merchants approve ChatGPT Wallet purchases

OpenAI has named Sardine as one of four fraud-prevention partners for ChatGPT Wallet, which began rolling out on 13 November. The others are Forter, Riskified and Signifyd, alongside payment providers Adyen, Checkout.com and Stripe.

ChatGPT Wallet lets OpenAI's agents, called dots, check out on a user's behalf. The user approves each purchase with Face ID or a fingerprint, and American Express, Mastercard or Visa issues a payment token in place of the card number. Access is limited to ChatGPT Pro subscribers in the US.

The tokens work with existing checkouts, but OpenAI says fraud systems may flag legitimate agent purchases, leading to declines or cancellations. Sardine launched Know Your Human on 5 November, a protocol that passes the device and IP details of the person behind an agent to merchants and issuers.