OpenAI has introduced ChatGPT Wallet, a payment feature that allows its Dots AI agents to make online purchases after receiving approval from the user. The service is beginning its rollout to ChatGPT Pro subscribers in the United States who are at least 18 years old, use a US billing address and have an eligible US-issued American Express, Chase, Mastercard or Visa card.
Dots are OpenAI agents designed to run continuously on dedicated cloud infrastructure and handle persistent tasks. With ChatGPT Wallet, a user can add a payment card once and then ask an agent to purchase items. The agent is not supposed to complete the transaction independently under the initial system: the customer must first inspect the proposed order and authorize it.
“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” — OpenAI
Biometric approval is required for each purchase
OpenAI’s support information says every transaction made through ChatGPT Wallet requires a security check. After the Dots agent identifies the items, total and selected card, the user reviews those details and confirms the purchase with a biometric method such as Face ID or a fingerprint scan.
The payment process is designed to keep the card number away from both the AI agent and the retailer. Once the customer approves the transaction, the payment network creates a payment token that substitutes for the card’s actual details. OpenAI describes the arrangement as similar to the tokenized payments used by tap-to-pay services, Apple Pay and Google Wallet.
| ChatGPT Wallet detail | Initial rollout |
|---|---|
| Eligible users | ChatGPT Pro subscribers aged 18 and older |
| Region | United States |
| Billing requirement | US billing address |
| Supported cards | Eligible US-issued American Express, Chase, Mastercard and Visa cards |
| Purchase approval | Review and biometric security check for every purchase |
Customers retain the rewards associated with their selected card and the protections available for eligible purchase disputes. OpenAI also says transactions remain directly between the customer and the business, leaving the retailer responsible for fulfillment, returns, customer service and pricing.
Retailer support remains a limitation
ChatGPT Wallet will not necessarily work across every online store. OpenAI says websites must avoid inadvertently blocking AI agents, while payment and risk systems must be able to identify legitimate purchases made through agents. The requirement matters because major online services have already restricted access by automated shopping tools over security concerns.
For users in the Philippines, the initial combination of a US billing address, US-issued eligible card and ChatGPT Pro access in the United States means the feature is not currently presented as available locally. The company’s longer-term plan would allow users to set spending limits, categories or time periods and authorize purchases in advance, but that expanded function has not been launched in the initial rollout.
