Summary
OpenAI began rolling out ChatGPT Wallet through dots to US ChatGPT Pro subscribers aged 18 and older with eligible US-issued cards. Users approve each agent purchase with a security check, while payment networks provide tokens in place of their actual card details.
OpenAI began rolling out ChatGPT Wallet on November 13, 2026, giving its dots agents a way to make purchases on a user’s behalf. The initial rollout is limited to ChatGPT Pro subscribers in the US who are at least 18 and have eligible US-issued cards. Each purchase requires the user to review the order and approve it with a security check.
The wallet is designed to let an agent complete a checkout without receiving the user’s actual card details. OpenAI says it developed the system with American Express, Mastercard and Visa, and that users retain their card’s existing rewards and protections for eligible disputes with businesses.
How approval and payment work
Users add a card to ChatGPT Wallet once. Before a purchase, they review the items, total and selected card, then approve the transaction using a security check such as Face ID or a fingerprint scan. OpenAI says each approval creates a record of the purchase the user authorised.
After approval, the payment network supplies a payment token: a substitute for the card’s actual details that includes a card number, security code and expiry date. The purchase is charged to the selected card, while the wallet does not share the actual card details with the agent or the business.
This arrangement keeps a person involved at the point of purchase rather than giving the agent unrestricted access to a card. OpenAI says users keep relevant card rewards and protections for eligible disputes, such as a dispute involving a defective item. The transaction remains between the customer and the business, which retains control over pricing, fulfilment, returns and customer service.
OpenAI says it expects to add the option to delegate purchases under parameters such as spending limits, categories or time periods, with enhanced safeguards. That is a planned direction; the rollout described in the announcement requires approval for each purchase.
Businesses will need to support agent checkouts
The wallet uses existing checkout flows, but websites and payment-risk systems may need to recognise legitimate agent activity. OpenAI says some sites may block agent access unintentionally, while risk systems may flag agent purchases and cause declines or cancellations.
Alongside the rollout, OpenAI published a Commerce Partner Playbook for businesses. Its guidance includes keeping product details and availability current, configuring website security systems to allow signed requests from ChatGPT agents, and working with payment and risk providers to reduce unnecessary declines. Businesses can also build plugins or add WebMCP tools so agents can perform tasks such as checking availability or managing carts.
The initial release is a limited launch through dots for eligible US subscribers. OpenAI says it will use early use to work with businesses, banks and payment networks on compatibility and reliability, and to expand availability.