Business · 2026-11-13

OpenAI launches ChatGPT Wallet: AI can now pay for your purchases

OpenAI is launching ChatGPT Wallet, where an AI agent can pay for purchases on your behalf without seeing your card details, but for now only in the US and only for paid subscribers.

✨ What's new

OpenAI, the company behind ChatGPT, has announced ChatGPT Wallet, a payment wallet that lets artificial intelligence pay for purchases on your behalf. The AI does not get access to your bank card details. The tool was developed in partnership with American Express, Mastercard and Visa.

📌 Who can use it

At launch, the feature is available only in the US. Adult subscribers of the ChatGPT Pro plan who have eligible cards from American banks can use it, according to Reuters.

Access to the wallet works through dots, which is what OpenAI calls its autonomous AI agents. They run in the background.

🔹 How your data is protected

Before each payment, you can see the list of items, the total amount and the card that will be charged. You confirm the purchase with Face ID or a fingerprint.

Instead of your real card data, the payment network creates a special payment token. As a result, neither the seller nor the AI agent sees your sensitive payment details.

🔸 What comes next

OpenAI plans to make the tool more autonomous. Users are expected to be able to fully delegate purchases to AI agents within preset limits, for example spending caps, certain product categories or time windows.

Sources: 🔗 DOU/dev.ua