OpenAI launched ChatGPT Wallet, which lets its dots assistants complete online purchases with tokenized American Express, Mastercard or Visa card details after a user approves each transaction. The rollout is limited to U.S. ChatGPT Pro subscribers aged 18 or older with eligible U.S.-issued cards. It works in dots conversations, not ordinary ChatGPT chats, and does not hold cryptocurrency or a cash balance.
After approval, the agent uses a payment token rather than the customer’s actual card number at the merchant’s checkout. OpenAI says merchants remain responsible for deliveries and returns, while users generally must contact their card issuers about billing disputes. OpenAI plans to allow advance authorization within spending limits or specified categories but has given no launch date; for now, every purchase needs approval, and merchant sites may block agents or flag purchases as fraud.
