OpenAI opens ChatGPT Wallet to US Pro users, with card details kept from agents

A checkout step for the dots agent

OpenAI released ChatGPT Wallet on 13 November 2026. It lets the AI agent dots complete purchases for users after they approve each one, and it is open first to ChatGPT Pro subscribers in the United States who are 18 or older and have a US billing address.

OpenAI said about 1.2 billion people use ChatGPT every week, and many already use it to research products and compare options. The wallet is meant to cover the checkout step that follows, the company wrote.

The launch partners are American Express, Mastercard and Visa. OpenAI said it is not taking a commission on transactions at the start, and Chaya Nayak, who leads revenue and payments products at OpenAI, told CNBC the aim is to build a safe and usable base with merchants and payment networks first.

How a payment works

A user adds an eligible US-issued card to the wallet once. When the agent is ready to check out, the screen shows the item, the total and the card that would be charged; the user then confirms with Face ID or a fingerprint on a device that supports biometrics. Each approval leaves a record of the authorization.

After approval, the card network issues a payment token containing a virtual card number, security code and expiry date for that transaction only. The charge lands on the card the user chose, and OpenAI said the real card number is not shared with the merchant or the agent.

Card rewards stay with the user, and OpenAI said qualifying dispute protections still apply. The purchase itself is between the user and the merchant, which keeps control of pricing, shipping, returns and customer service. OpenAI said users will later be able to set spending limits, product categories or time windows for automatic purchases.

Merchants and blocked agents

OpenAI acknowledged that agent shopping is early and that some websites may block agent traffic by mistake, while fraud systems may flag legitimate orders. It published a Commerce Partner Playbook that asks merchants to claim a ChatGPT merchant profile, upload product data, configure CDN or firewall rules to recognize signed Web Bot Auth requests, and check with payment and fraud vendors.

OpenAI named Forter, Riskified, Sardine and Signifyd as fraud partners, and Adyen, Checkout.com and Stripe as payment providers. Merchants can also build plugins that let the agent check stock and manage a cart, and OpenAI's developer documentation says the wallet can connect to existing checkout pages.

CNBC reported that United Airlines said this week it would block agent bookings and that Amazon does not allow agents to shop on its platform. Luke Gebb, head of innovation at American Express, said the limited start was deliberate: begin in a controlled environment, then expand.

Where the wallet does not work yet

OpenAI's help center says the wallet works only in conversations with dots. Chat, Work and standalone Codex threads are not enabled. Eligible cards are US-issued American Express, Chase, Mastercard and Visa cards, and Chase cards must be held by the primary cardholder.

The announcement follows earlier OpenAI shopping efforts. CNBC reported that Instant Checkout, introduced in autumn last year, was quickly redirected, and that a revised shopping feature arrived in March.