OpenAI's ChatGPT Wallet lets AI agents pay with a card

OpenAI's ChatGPT Wallet, which lets the company's AI agents buy things on a user's behalf, is not available in Mexico and has no arrival date. OpenAI introduced it on Nov. 13, and for now only ChatGPT Pro subscribers who are 18 or older, live in the United States and hold a U.S.-issued Visa, Mastercard or American Express card can use it.

Users register a card once. When an agent, which OpenAI calls "dots," puts together a purchase, the person reviews the items, the total and the card, then confirms with Face ID or a fingerprint. Each confirmation leaves a record of what was authorized.

The payment network then issues a token, which swaps the card's real details for a stand-in number, security code and expiration date. The charge goes to the chosen card, and neither the agent nor the store sees the actual data. OpenAI says card rewards and eligible dispute protections, such as for a defective item, stay in place.

Those security claims come from the company itself, and no outside party has tested them.

OpenAI acknowledges that some sites may unintentionally block purchases made with Wallet. Fraud systems, built to spot a person at a screen, can also flag a legitimate agent purchase as suspicious and decline or cancel it. For merchants, the company published a guide, the Commerce Partner Playbook, and names Forter, Riskified, Sardine and Signifyd as anti-fraud partners and Adyen, Checkout.com and Stripe as payment processors.

For American Express, Wallet is the first integration of its Agentic Commerce Experiences, said Luke Gebb, the company's global innovation chief, and eligible cardholders review and approve every purchase.

OpenAI expects users to eventually delegate purchases with spending limits, categories or time periods, and to preapprove them. That does not exist today: every payment goes through the approval of the person making it. The company gives no dates or countries for a wider rollout, so Mexican users have no date for Wallet's arrival.