OpenAI has begun rolling out ChatGPT Wallet, a payment feature that lets artificial intelligence agents complete purchases with a customer’s existing credit or debit card. The initial rollout began Nov. 13, 2026, and is limited to eligible ChatGPT Pro subscribers in the United States.
The service is designed to let an agent handle a purchase after the customer reviews the items, the total and the card selected for payment. The customer must then approve the transaction using Face ID or another supported biometric check. The arrangement gives the agent a role in completing checkout but keeps the customer involved in authorizing the payment.
“Built in partnership with American Express, Mastercard, and Visa, ChatGPT Wallet will initially be available through dots for ChatGPT Pro subscribers in the U.S.” — OpenAI
Who can use the wallet
Access is restricted to U.S. Pro subscribers who are at least 18 years old, have a U.S. billing address and use a supported U.S.-issued card. The cards identified for the initial rollout are from American Express, Chase, Mastercard and Visa. The feature is not described as a new card account. Instead, it connects an eligible existing card to the wallet.
| Feature | Terms described for the rollout |
|---|---|
| Approval | Customer reviews the purchase and approves it with Face ID or another supported biometric check |
| Card details | A payment token substitutes for the actual card credentials during checkout |
| Eligibility | U.S. Pro subscribers age 18 and older with a U.S. billing address and supported U.S.-issued cards |
| Recurring payments | Merchants may collect them under terms approved by the customer |
How card information is handled
At checkout, a payment network creates a token—substitute card credentials that include a card number, security code and expiration date. The token is used instead of the customer’s actual card details, which OpenAI says keeps those details hidden from both the AI agent and the merchant.
The privacy notice says OpenAI collects purchase, contact and device information. Its payment provider collects the full card number, while OpenAI receives a tokenized credential and limited card details. OpenAI says wallet information is not sold or shared for targeted advertising.
Rewards and disputes
Customers retain their existing card rewards, according to the rollout details. They also retain eligible dispute protections. Those protections remain subject to the terms of the card account and the transaction, but the feature is intended to use the customer’s existing payment relationship rather than replace it with a new account.
ChatGPT Wallet also allows merchants to collect recurring payments when the customer has approved the applicable terms. OpenAI says users can establish rules for their agents, including permissions that allow, block or require approval for specific actions. Agents can be accessed through ChatGPT, Slack or Teams and can connect with more than 4,000 apps through plugins.
- The first U.S. users are eligible ChatGPT Pro subscribers age 18 and older.
- Each purchase requires review and customer approval before payment.
- Tokenized credentials hide the actual card details from the agent and merchant, while OpenAI’s privacy notice covers purchase, contact and device information.
