OpenAI launches ChatGPT Wallet for AI agent purchases in U.S.

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OpenAI launches ChatGPT Wallet

Highlights

OpenAI launched ChatGPT Wallet for U.S. Pro subscribers over 18, allowing secure transactions via tokenized card data without accessing actual card details.
OpenAI will not take a cut of transactions at launch, prioritizing merchant adoption and platform positioning over immediate payment revenue.
The rollout tests agent-led commerce at limited scale ahead of a potential expansion to over 1.2 billion weekly active users and 100 million paying users.

Launch details and payment setup

As first reported by CNBC, OpenAI said Friday that ChatGPT Wallet lets users store card details once, ask their dot to find items to buy and then approve each transaction through a security check.

The company said its AI agents do not access a user’s actual card information. Instead, payment networks issue a transaction-specific token containing a limited card number, security code and expiration date for that purchase.

Chaya Nayak, OpenAI’s head of product for monetization and payments, said the company is focused on building a foundation that is safe and easy to use for merchants and network partners. She said the new wallet builds on OpenAI’s earlier work in product discovery by helping users move from finding an item to completing a purchase.

Commerce strategy and market implications

ChatGPT Wallet arrives as more consumers test personal AI agents for everyday tasks such as scheduling, travel booking and shopping. OpenAI introduced its dots agents at its annual developer conference in late September, as technology groups and merchants weigh how agent-led commerce could reshape online buying.

OpenAI said it is not taking a cut of transactions at launch, signaling that the initial priority is merchant adoption and platform positioning rather than immediate payment revenue. The company has been deepening its commerce efforts over the past year after moving away from its earlier Instant Checkout feature and later rolling out a revised shopping experience in March.

The rollout is initially limited to OpenAI Pro subscribers in the U.S. who are older than 18. Luke Gebb, executive vice president and global head of innovation at American Express, said the contained launch is intended to make sure the system works before OpenAI expands it across a user base that the company says exceeds 1.2 billion weekly active users and nearly 100 million paying users as of the end of the third quarter.

Merchants are still deciding how to handle AI agents on their platforms. United Airlines said Wednesday that it will block agents from accessing its systems to book tickets, while Amazon prevents agents from purchasing products on its marketplace.

OpenAI said agentic commerce remains in its early days and released tools and guidance alongside the wallet launch to help businesses adapt. The company said merchants may need to adjust their websites so OpenAI’s agents are not inadvertently blocked, underscoring that broader adoption depends on networks, retailers and infrastructure providers moving in step.

As we previously wrote, Amazon’s World Product Graph plan aims to broaden product data to fend off AI shopping agents.

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