OpenAI Launches ChatGPT Wallet, Letting Its AI Agents Buy Things for Users

The wallet is limited at first. It is available only in the United States, to ChatGPT Pro subscribers aged 18 or older who hold eligible US-issued cards. OpenAI said users will eventually be able to let agents buy within limits they set, such as spending caps, product categories or time periods, according to Reuters.

The launch is OpenAI's second attempt to turn ChatGPT's shopping traffic into transactions. Its Instant Checkout feature, introduced in the autumn of 2025, was quickly dropped. By March 2026 the company had moved to a revamped shopping experience focused on helping users find and compare products. ChatGPT had more than 1.2 billion weekly active users and nearly 100 million paying users at the end of the third quarter, CNBC reported. OpenAI is not taking a cut of transactions at launch, though CNBC noted that purchases could become a source of revenue later.

Users enter their card details once and then ask their dot to find and buy items. Before each purchase they see the items, the total and the card selected, and they approve it with a security check such as a face scan or fingerprint, according to Reuters. Instead of the real card number, the payment network gives the agent a token containing a card number, security code and expiry date that work only for that transaction. Neither the agent nor the merchant sees the underlying card, and cardholders keep their existing rewards and protections.

"Our goal here is to really focus on merchants and our network partners," Chaya Nayak, who leads monetization and payments product at OpenAI, told CNBC. She said the wallet builds on the company's product discovery work and is meant to carry users from finding a product to buying it.

Luke Gebb, American Express's executive vice president and global head of innovation, said the limited rollout was the right approach. "It just makes sense to watch it, start it in a contained environment, and then keep rolling from there," he told CNBC.

OpenAI introduced dots, its always-on agents, at its developer conference in late September. It describes agentic commerce as being in its early days, and merchants are divided. United Airlines has said it will block AI agents from booking tickets through its systems, and Amazon prevents agents from buying products on its platform. OpenAI has published guidance to help merchants make sure their sites do not block its agents by accident.

OpenAI has not said when the wallet will reach users outside the United States or on plans below Pro.