OpenAI launches ChatGPT Wallet, giving AI agents your credit card

OpenAI has launched ChatGPT Wallet, a payment system designed to let AI agents make purchases on behalf of users without directly accessing their actual credit card details. The system works with American Express, Mastercard, and Visa, generating a unique payment token for each transaction while maintaining the user's existing card rewards and dispute protections. It requires a biometric security check, like Face ID or a fingerprint, for every single purchase approval.

For users, this means ChatGPT can now directly complete purchases after helping with research, moving from recommendation to transaction. However, businesses will need to ensure their payment and risk systems recognize these 'agent' transactions and don't inadvertently block them. The initial rollout is limited to ChatGPT Pro subscribers in the US, positioning OpenAI not just as an AI tool provider, but as a new intermediary in the e-commerce payment flow.