Key facts
- OpenAI said the wallet requires a security check, such as Face ID or a fingerprint scan, for every transaction.
- The payment network issues a payment token in place of card details, so neither the business nor the agent sees them, OpenAI said.
- OpenAI said users can review the item, total and selected card before approving each purchase.
- The wallet is reached through dots, OpenAI's always-on AI agents, and is limited to US ChatGPT Pro subscribers aged 18 and older.
- OpenAI said it expects users to eventually delegate purchases to agents within set parameters such as spending limits, categories or time periods.
OpenAI said on November 13, 2026, that it launched ChatGPT Wallet, a payment feature that lets AI agents pay for purchases without accessing users' card details. The company said the wallet was built in partnership with American Express, Mastercard and Visa.
OpenAI said the wallet is initially available in the US to ChatGPT Pro subscribers aged 18 and older with eligible US-issued cards, and is accessed through dots, the company's always-on AI agents. Users can review the item, the total and the selected card before each purchase, then approve it with a security check such as Face ID or a fingerprint scan, OpenAI said.
According to OpenAI, the payment network provides a payment token in place of the actual card details, so neither the business nor the agent can see them. The company said it expects users to eventually delegate purchases to agents within set parameters, such as spending limits, categories or time periods.