OpenAI Introduces ChatGPT Wallet With Face ID Approval for Agent Purchases

OpenAI has introduced ChatGPT Wallet, a payment feature that lets AI agents complete purchases after users approve them with a security check. The rollout begins today in dots for ChatGPT Pro subscribers in the U.S.

Developed with American Express, Mastercard, and Visa, the wallet is initially available to subscribers aged 18 or older with eligible U.S.-issued cards.

The feature gives dots, OpenAI's personal agents that can work in the background, a way to pay on a user's behalf. Users add a card once, then review the items, total, and selected card before authorizing each purchase. Approval can use Face ID or a fingerprint scan.

After approval, the payment network supplies tokenized card details, including a substitute card number, security code, and expiration date. The selected card is charged without exposing its actual details to the agent or merchant.

OpenAI says users retain their card's existing rewards and protections for eligible disputes, such as a defective item. Purchases remain direct transactions with the business, which continues to handle pricing, fulfillment, returns, and customer service.

Compatibility will depend on the merchant's website and payment systems. Some sites may block agents, while fraud checks can decline or cancel otherwise legitimate purchases. A new Commerce Partner Playbook helps businesses make product information accessible, recognize agent requests, and work with payment providers. OpenAI is also working with Stripe, Adyen, Checkout.com, and fraud-prevention partners on transaction recognition.

OpenAI has also outlined future support for pre-approved purchases within limits such as an amount, product category, or time period, but has not announced when that option will become available.