OpenAI is launching ChatGPT Wallet, a new feature that lets ChatGPT agents pay for purchases on your behalf without seeing your actual card details. The rollout starts on November 13 in dots for ChatGPT Pro subscribers in the United States, and you approve every purchase with Face ID or a fingerprint scan.
The company built the wallet with American Express, Mastercard and Visa, and it calls the product the first wallet where an agent pays without access to your card details. It follows the in-chat checkout that OpenAI added to ChatGPT in September 2025, which started with Etsy sellers.
ChatGPT Wallet Hides Your Card Number
You add a card to ChatGPT Wallet once. Before each purchase, your dot shows you the items, the total and the card it will use, and you approve the purchase with a security check.
After you approve, the payment network issues a payment token with its own card number, security code and expiration date. The token replaces your real card, so the business and the agent never see your actual card details. Each approval also creates a record of the purchase you authorized.
The charge still goes to the card you selected, so you keep that card’s existing rewards. OpenAI says the same goes for protections on eligible disputes with businesses, such as a defective item. Banks and networks still evaluate each transaction, and the business keeps control of pricing, fulfillment, returns and customer service.
US Pro Users Get It First
ChatGPT Wallet is available to ChatGPT Pro subscribers aged 18 and older in the United States, and you need an eligible US-issued card. It works through your dot, the always-on agent included with ChatGPT Pro. OpenAI is starting with this limited group so it can learn from real use and work with businesses, banks and payment networks on compatibility and reliability.
American Express calls ChatGPT Wallet its first Agentic Commerce Experiences integration, so eligible Card Members can use their Amex Card while they review and approve each purchase.
OpenAI expects you to hand off whole purchases to your dot later. You would set limits such as a spending cap, purchase categories or a time period and pre-approve purchases within them, with biometric checks and records of authorization behind each one. Today’s rollout does not include that, and you approve every purchase yourself.
What Businesses Need to Change
OpenAI says many websites and payment systems still treat agents as bots, so some sites may block purchases made through ChatGPT Wallet. It published a Commerce Partner Playbook that tells businesses how to share product information, give agents access and work with their payment and risk providers.
Businesses can claim their business in ChatGPT and upload a product feed with current pricing and availability. They can also configure their CDN or firewall to recognize signed requests that use Web Bot Auth, so ChatGPT agents are not blocked.
The payment tokens work with existing checkout flows, but risk systems can still flag a legitimate agent purchase and decline or cancel it. OpenAI is working with the fraud prevention companies Forter, Riskified, Sardine and Signifyd, and with the payment providers Adyen, Checkout.com and Stripe, so their systems recognize purchases made by agents.
