OpenAI launches ChatGPT Wallet, letting its AI agents make purchases with major cards
OpenAI introduced ChatGPT Wallet on Friday, giving users a way to authorize purchases made by its "dots" AI agents. The card networks American Express (AXP), Mastercard (MA), and Visa (V) are OpenAI's partners on the feature.
OpenAI's help page says eligible Chase cards from JPMorgan Chase (JPM) work too. For now, only ChatGPT Pro subscribers in the U.S. who are 18+ can use the feature, and every purchase needs the user's approval with a biometric check.
Once the user approves a purchase, Wallet generates a payment token containing a substitute card number, security code, and expiration date, allowing the agent to complete checkout without exposing the user's actual card details.
Chaya Nayak, OpenAI's product lead for monetization and payments, told CNBC that the launch is aimed at card networks and stores: "Really, who we are speaking to here is the networks and the merchants."
The company has struggled in shopping before. It dropped its Instant Checkout feature soon after launching it last fall. The dots agents themselves arrived at OpenAI's developer conference in late September.
Additionally, not every business welcomes AI shoppers.
United Airlines (UAL) said on Wednesday that it will block agents from booking tickets, and Amazon (AMZN) does not let them buy on its site. OpenAI published guidance on Friday to help merchants stop blocking its agents by accident.
Luke Gebb, who heads innovation at American Express, called the narrow rollout the "right approach to make sure things are working." With more than 1.2 billion weekly ChatGPT users, he said, OpenAI can "turn up the volume" when it is ready.
OpenAI is not taking a share of purchases at launch, though the feature could later become a new source of revenue.
Sources & Further Reading
- "Introducing ChatGPT Wallet." OpenAI. November 13, 2026.
- "OpenAI launches ChatGPT Wallet, allowing its 'dots' AI agents to make purchases for users." CNBC. November 13, 2026.
- "Making purchases with ChatGPT Wallet." OpenAI. November 12, 2026.
This article was drafted with the help of AI. Aubrey Wood fact-checked, edited and published the article and is responsible for its accuracy and quality. How we use AI
