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OpenAI Launches ChatGPT Wallet, Letting AI Agents Pay for Purchases
The payment feature lets OpenAI’s dots agents buy items for users while preserving card rewards and requiring approval for each purchase.
On Friday, OpenAI launched ChatGPT Wallet, enabling its "dots" artificial intelligence agents to make purchases for U.S. ChatGPT Pro subscribers over 18 with American Express, Mastercard, and Visa partnerships.
Payment networks provide a "payment token" as a substitute for actual card details, preventing agents or merchants from accessing sensitive information while users retain credit card rewards and protections.
Despite the rollout, some retailers are actively blocking AI agents from their platforms. United Airlines said on Wednesday it will prevent agents from booking tickets, while Amazon blocks them to steer customers toward its own AI agent, Alexa.
OpenAI is intentionally starting with limited availability to improve compatibility and reliability. Chaya Nayak, who leads monetization and payments at OpenAI, told CNBC the company aims to "focus on merchants and our network partners."
Future plans include allowing users to configure spending limits or purchase categories for autonomous transactions. While agentic commerce is still in its "early days," Meta has seen AI-assisted shopping become a top activity on its apps.