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OpenAI Launches ChatGPT Wallet for AI Agent PurchasesTechnology
OpenAI has launched ChatGPT Wallet, letting its AI agents finish online checkouts with saved cards — but every purchase still needs biometric approval.
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OpenAI has launched a new payment feature, ChatGPT Wallet, that lets its artificial intelligence agents shop online and pay for things on a user’s behalf. The company says the tool turns its chatbot from an adviser that finds products into an assistant that can also finish the purchase.
The feature works by letting users store a credit or debit card in their ChatGPT Wallet. When the AI is asked to find a product, compare options or arrange a trip, it can move through the checkout itself and complete the payment. OpenAI says the real card number is replaced with a secure token, so the shop never sees the customer’s actual card details.
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Despite the automation, no payment goes through on its own. OpenAI says every single purchase needs the user’s explicit confirmation, verified by a biometric check such as Face ID or Touch ID on a supported device, before the transaction can be completed.
The system was built together with the major payment networks American Express, Mastercard and Visa, as well as banks including Chase, so that it works with existing cards and merchant systems.
For now the rollout is limited. The wallet is available only to ChatGPT Pro subscribers who are 18 or older and based in the United States, and only with eligible cards issued in the US.
OpenAI has also published a guide for online shops, called a commerce partner playbook, and is working with payment processors Stripe, Adyen and Checkout.com. The aim is to help businesses adjust their firewalls, content delivery networks and fraud filters so that genuine purchases made by AI agents are recognised and accepted rather than blocked.
The launch is part of a wider shift in the AI industry, where companies are racing to move their assistants beyond answering questions and into carrying out tasks. Letting an agent spend money is one of the most sensitive steps in that shift, and OpenAI is betting that card tokenisation plus a biometric check on every purchase will be enough to win users’ trust.
Whether shoppers are ready to hand their wallets to an AI remains to be seen, but the arrival of ChatGPT Wallet marks the moment when online checkout stopped being a job only humans could do.
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