OpenAI introduced ChatGPT Wallet to the public on November 13, 2026, allowing eligible ChatGPT Pro users in the United States to let AI agents known as dots complete online purchases using payment cards linked to their accounts. The feature is currently available only to users over 18 years old with eligible U.S.-issued cards. During checkout, the system displays key transaction details such as the merchant, purchased items, total amount, taxes, shipping costs, and selected payment card before the customer confirms the payment.
According to OpenAI, customers must approve each transaction using Face ID or a fingerprint. Once confirmed, the payment network generates a token that replaces actual card details, meaning neither the merchant nor the AI agent sees the real card number. The wallet was created in partnership with major payment providers including American Express, Mastercard, and Visa. OpenAI does not hold funds or provide banking services; merchants remain responsible for pricing, delivery, returns, and customer service, while card issuers handle payments and billing disputes.
OpenAI eventually plans to allow purchases approved in advance, subject to spending, product-category, or time limits. The company has not disclosed what merchants will pay for ChatGPT Wallet transactions, though its earlier Instant Checkout product reportedly charged merchants 4% per sale. Retailers must also decide whether to accept AI-driven orders, and they can still reject transactions even after implementing fraud-prevention measures.
The broader AI shopping market is expanding rapidly. Meta reported more than 10 million Muse setups across the U.S. and Canada within six weeks, with over 25% of weekly active users shopping through Muse and average purchases exceeding $200. However, Amazon blocked Muse from shopping on its website in September, citing unauthorized agent access. Juniper Research expects global spending through AI agents to reach $1.5 trillion by 2030, while McKinsey estimates AI agents could put $75 billion in global payments revenue at risk. For ChatGPT Wallet purchases to succeed, the customer must approve the order, the card issuer must authorize payment, and the merchant must accept the transaction.
