ChatGPT Wallet is live — for US-based ChatGPT Pro subscribers only, starting today. It lets AI agents (called “dots”) complete purchases online without ever seeing your real credit card number. OpenAI built it with American Express, Mastercard, and Visa. No debit cards.
No global rollout yet. Just the US. Just Pro. Just now.
The feature rolled out gradually beginning November 13, per OpenAI’s official release notes. It works only in conversations with a dot, not in regular chats, and only after you’ve added a card once through a secure form outside the chat interface. Every purchase triggers a biometric approval: Face ID, Touch ID, or fingerprint.
The agent shows merchant name, items, total, and selected card. You approve. Then the card network issues a one-time payment token, a disposable card number, CVV, and expiry. Neither the merchant nor the dot receives your actual card details.
Your rewards, fraud protections, and dispute rights stay intact. But OpenAI stresses: approving doesn’t mean the order went through. Only the merchant’s confirmation does. Hit “approve” twice on a glitchy checkout?
You might get charged twice. And recurring payments, like subscriptions, are handled entirely by the merchant once you greenlight the first charge. Removing a card from Wallet won’t cancel those. OpenAI says this is phase one.
Later, users will set spending limits, category restrictions, or time windows to pre-authorize purchases, no tap needed each time. No date given. Meanwhile, many sites already block AI agents outright. Amazon and several US banks did so in October.
So OpenAI published a Commerce Partner Playbook, telling merchants how to whitelist signed ChatGPT agent requests via Web Bot Auth, claim their business in ChatGPT, and upload live product feeds with pricing and stock. American Express calls it its first Agentic Commerce Experiences integration. Mastercard says it’s meant to “strengthen, not bypass, the trust built into payments.” No word yet on availability for ChatGPT Plus or free users.
No word on India, UK, EU, or any other market. Just the US. Just Pro. Just started.
CDFiled by The Computing Desk
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