OpenAI is launching a wallet for its Dots AI agents, The Verge reported, so ChatGPT can buy things on a user's behalf without handing the user's actual credit card number to the agent or to the merchant.
ChatGPT Wallet is rolling out starting Friday for ChatGPT Pro subscribers in the United States who are 18 or older, use a U.S. billing address, and have an "eligible US-issued American Express, Chase, Mastercard and Visa" card, The Verge reported, quoting OpenAI's limits. After a card is added, Dots agents can use the wallet to make purchases in response to prompts, but they are supposed to check in with the user before checkout. OpenAI's support page, as described by The Verge, says every purchase requires a security check with biometric verification such as Face ID or a fingerprint scan.
Once the user reviews the agent's proposed purchase and signs off, OpenAI says it substitutes a payment token for the credit card details, similar to tap-to-pay, Apple Pay, or Google Wallet. The actual card information is not shared with the Dots agent or with the business, the company said. Eventually, OpenAI expects "users to be able to delegate purchases entirely to their agent by setting clear parameters—such as spending limits, purchase categories, or time periods—and pre-approve those purchases."
The wallet may not work everywhere. Some retailers already restrict or block AI shopping agents. The Verge noted that Amazon earlier this year blocked Meta's Muse agents. OpenAI said that for agents to use ChatGPT Wallet, "websites need to ensure agents are not inadvertently blocked, and payment and risk systems need to recognize legitimate purchases made by agents."
The launch follows OpenAI's earlier rollout of the Dots agents platform. Together, the two products are an attempt to move ChatGPT from answering questions to completing tasks that cost money. The immediate design still keeps a person in the loop: a review step, a biometric check, and a tokenized payment rather than a raw card number. The longer-term design, as OpenAI described it, is pre-approved spending inside limits the user sets.
Whether merchants will accept that model is an open question, especially at retailers that have already decided they do not want automated agents in their checkout flows. For now, the offer is limited to a paying slice of U.S. adults on ChatGPT Pro, and every purchase still needs a human to approve it.
The Verge's account is based on OpenAI's own description of the product and its support documentation. The company is presenting the wallet as a privacy and security improvement over giving an agent a full card number, while acknowledging that some sites may simply refuse the transaction.