OpenAI launches ChatGPT Wallet for agent payments
OpenAI has launched ChatGPT Wallet, which lets AI agents complete purchases using network-issued payment tokens instead of real card details, with the user approving each purchase through a biometric check.
OpenAI announced ChatGPT Wallet, a payment system for agent-led purchases built with American Express, Mastercard and Visa. It starts rolling out today in dots, but only to ChatGPT Pro subscribers in the US who are 18 or older and have eligible US-issued cards.
Users add a card once. Before each purchase, they review the items, the total and the selected card, then approve with a security check such as Face ID or a fingerprint scan. Once the user approves, the payment network issues a token. The token is a stand-in for the real card, with its own card number, security code and expiration date, so neither the business nor the agent ever sees the user's actual card details. OpenAI says users keep their existing card rewards and their protections for eligible disputes. Businesses keep control of pricing, fulfillment, returns and customer service.
OpenAI acknowledges that some websites and risk systems may block or decline legitimate agent purchases. To address this, it published a Commerce Partner Playbook. The playbook covers several steps for businesses:
- uploading product feeds
- configuring CDNs and firewalls to recognize signed requests through Web Bot Auth
- working with payment and risk providers to cut unnecessary declines
- building plugins or adding WebMCP tools
OpenAI also says it is working with fraud-prevention firms Forter, Riskified, Sardine and Signifyd, and with payment processors Adyen, Checkout.com and Stripe.
Later, OpenAI expects users to be able to pre-approve purchases within set spending limits, categories or time periods. It has not given a timeline for that or for wider availability.