OpenAI Introduces ChatGPT Wallet: AI Agents Can Make Secure Payments with User Approval

OpenAI has introduced ChatGPT Wallet, a new payment feature that allows AI agents to make online purchases on behalf of users while keeping their actual card details private. The wallet requires users to complete a security check before every transaction, adding an extra layer of protection to AI-powered payments.

The new service has been developed in partnership with American Express, Mastercard and Visa. OpenAI announced the launch on November 13, 2026, as part of its efforts to support secure payments through AI agents.

How Does ChatGPT Wallet Work?

With ChatGPT Wallet, users can add an eligible payment card and allow their AI agent to assist with online purchases. Before completing a transaction, users can review the selected products, total payment amount and card details.

The purchase must then be approved through a security verification method such as Face ID or a fingerprint scan. This ensures that users remain in control of their payments rather than allowing an AI agent to complete purchases without their approval.

Card Details Protected Through Payment Tokens

One of the key features of ChatGPT Wallet is its payment security system. Instead of sharing the user`s actual card information, the payment network generates a payment token for the transaction.

This token acts as a substitute for the original card details. As a result, neither the AI agent nor the merchant can access the user`s actual card number and other sensitive payment information, according to OpenAI.

Who Can Use ChatGPT Wallet?

The service is initially being rolled out in the United States through OpenAI`s always-on AI agents, called Dots. During the initial phase, it is available to ChatGPT Pro subscribers aged 18 and above who have eligible cards issued in the US.

OpenAI plans to expand the service based on feedback and its experience working with businesses, banks and payment networks. The feature is not currently available to all ChatGPT users or in every country.

OpenAI Plans More Automated AI Payments

OpenAI expects users to eventually delegate certain purchases to AI agents by setting specific conditions. These may include spending limits, permitted purchase categories and time periods.

With such controls, users could allow AI agents to handle selected shopping tasks while retaining safeguards over how and when money is spent.