OpenAI launches ChatGPT Wallet so its "dots" agents can check out with your card

OpenAI is letting its agents shop on a user's behalf. On Friday, November 13, the company began rolling out ChatGPT Wallet, a wallet where users save a card once and an agent completes the payment after they approve it.

How the wallet works

OpenAI calls its agents "dots." They help users decide what to buy and then go through checkout. The user adds an eligible card once, so there is no need to enter payment details with every purchase.

Before the order is finalized, the user sees the items, the total and the card that will be charged. They approve the purchase with a security check such as Face ID or a fingerprint, which creates a record of the transaction.

A token instead of a card number

Payment goes through a token that stands in for the real card details. According to TechCrunch, neither the agent nor the merchant sees the card number. The merchant receives what it needs to fulfill the order, such as the shipping address and contact information.

Users keep their card benefits, including rewards and the ability to dispute transactions. The wallet supports US-issued Visa, Mastercard and American Express cards.

Limits at launch

The rollout is narrow: only some Pro subscribers in the United States. The limited start is meant to let OpenAI test and refine the feature before expanding it. The price of the wallet itself was not disclosed.

The company says more settings are coming: spending limits and rules for purchase categories or time periods. That would let users pre-approve purchases that the agent could then handle more autonomously. OpenAI also wants to support more retailers, and it published a Commerce Partner Playbook, guidance for merchants who want to serve agent-driven shoppers.

Retailers are blocking agents

Not every merchant wants to cooperate. TechCrunch reports that some retailers block AI agents, the largest being Amazon, which prefers to steer customers to its own assistant, Alexa.

The market for agentic shopping is still taking shape. According to TechCrunch, DoorDash and Uber have reported few orders placed by agents, while in Meta's Muse, which has more than 10 million users, shopping has become one of the most popular activities.

What it means for Poland

For now, Wallet is available only in the US and only for US-issued cards, so users in Poland cannot use it. The source does not say when or in which countries the feature will expand. For Polish online stores, though, it is a signal to watch how agents move through standard checkouts.