OpenAI launched ChatGPT Wallet on 13 November (US time), so its ChatGPT AI agent An AI program that can take actions for you, like writing code, filling forms or moving items, not just answering questions., called dots, can finish purchases for you. It starts with US ChatGPT Pro subscribers aged 18 and over who have an eligible US-issued Visa, Mastercard or American Express card.
Key points
- How it works: you add a card once. Before each purchase you see the items, the total and the card, then approve with a check such as Face ID or a fingerprint. OpenAI says each approval leaves a record of what you allowed the agent to buy.
- The agent never sees your real card number. After you approve, the card network issues a Payment token A stand-in card number issued for a purchase, so a shop or app never sees your real card details., a stand-in card number, so neither the dot nor the shop gets your actual details. OpenAI says card rewards and protections for eligible disputes still apply.
- Shops may still block or decline agent purchases. OpenAI published a Commerce Partner Playbook for retailers and is working with payment firms such as Stripe, Adyen and Checkout.com and fraud firms such as Forter and Signifyd. TechCrunch notes Amazon bans outside AI agents from its store.
- Later, OpenAI expects to let users set spending limits, product categories or time periods so the agent can buy within pre-approved rules. That is a plan, not a feature yet.
Why it matters: This is one of the first agent payment systems built with all three big US card networks, and for now a person still approves every purchase. It is not available in Malaysia yet; if it arrives, keep the per-purchase check and read each total before you approve.
Sources (2)
- Introducing ChatGPT Wallet · OpenAI
- ChatGPT's new wallet lets AI agents shop and check out for you · TechCrunch

















