OpenAI launches ChatGPT Wallet for approved purchases through dots

OpenAI launched ChatGPT Wallet on Friday, giving eligible US ChatGPT Pro subscribers a way to approve purchases that a dot can then complete on their behalf. The initial rollout is limited to users age 18 or older with supported US-issued cards and a US billing address.

The launch adds a payment step to OpenAI’s agent checkout flow without giving the merchant or agent the user’s actual card details. After a user chooses a card and reviews the merchant or items, total and applicable terms, a supported-device biometric check such as Face ID or Touch ID authorizes that specific purchase.

OpenAI’s Wallet guidance says the launch experience works only in conversations with a dot. It is not available in regular Chat, ChatGPT Work or standalone Codex threads, and users must currently approve each purchase.

Once approval is granted, a payment network or provider supplies a tokenized or virtual credential linked to the selected card. The substitute credential can include a card number, security code and expiration date for the checkout. OpenAI says the approval creates a record of what the user authorized; its Wallet terms require a new approval if the transaction changes materially before submission. Merchant acceptance is not guaranteed.

The merchant remains the seller and merchant of record. It continues to control whether to accept the order and remains responsible for pricing, fulfillment, returns, customer support and fraud decisions. OpenAI says eligible card rewards and dispute protections continue to apply under cardholder agreements and network rules.

OpenAI says Wallet can use existing checkout pages and payment forms without a Wallet-specific integration, though compatibility is not universal. Its merchant guidance asks businesses to check whether content-delivery, firewall or other security settings block verified ChatGPT cloud-browser visits and to change those settings only when verified visits are blocked.

Merchants may also need to adjust fraud controls. OpenAI’s payment guidance says bot-focused systems can misclassify cloud-browser purchases and that support is rolling out for selected user signals in a Forwarded HTTP header. It advises merchants to coordinate with risk providers or account for that header in their own systems, while treating each credential as consent for the approved transaction rather than saving or reusing it for another purchase.

OpenAI says it built Wallet with American Express, Mastercard and Visa. The company also says it is working with fraud-prevention providers Forter, Riskified, Sardine and Signifyd, and payment-service providers Adyen, Checkout.com and Stripe, to help merchants recognize legitimate agent purchases.