Introducing ChatGPT Wallet

OpenAI introduced ChatGPT Wallet, a new payment solution designed for agentic commerce, allowing users to delegate purchases to their agents securely. The wallet ensures agents can pay without accessing a user’s actual card details, while each transaction requires a user’s explicit approval via biometric verification. This approach maintains existing card rewards and dispute protections, ensuring users retain familiar safeguards during agent-led transactions.

ChatGPT Wallet integrates with existing payment systems through partnerships with American Express, Mastercard, and Visa, enabling businesses to accept payments without modifying their infrastructure. Users add a card once and approve each purchase, generating a payment token that replaces their card details during checkout. The token includes a substitute card number, security code, and expiration date, ensuring businesses never handle the user’s actual payment information.

The service begins with limited availability to ChatGPT Pro subscribers aged 18 and older in the US, using eligible US-issued cards. OpenAI plans to expand access based on early feedback, working with businesses, banks, and payment networks to improve compatibility. Users can set parameters for agent purchases, such as spending limits or categories, with future enhancements including biometric pre-approvals and detailed authorization records.

To support businesses, OpenAI released a Commerce Partner Playbook outlining steps to adapt websites for agentic commerce. Recommendations include verifying business listings in ChatGPT, configuring security systems to recognize agent requests, and collaborating with fraud prevention partners like Forter and Stripe. The guide also suggests building plugins or using WebMCP tools to enable agents to interact more seamlessly with business systems.