On Tuesday, artificial intelligence developer OpenAI announced ChatGPT Wallet, a payment feature designed to let users make purchases directly through AI agents. The tool was developed in partnership with American Express, Mastercard, and Visa.
Eligible users can enter their payment card details one time into the system. An AI agent can then search for products across the internet and authorize purchases securely after passing a verification check.
OpenAI stated that cardholders will keep all of their existing credit card rewards and consumer protections when using the wallet. The company also explained that its AI agents will not have direct access to actual card details.
Instead of exposing real card numbers, payment networks will generate transaction-specific payment tokens. These tokens contain a limited-use card number, a specific security code, and an expiration date.
OpenAI confirmed it will not initially take a financial cut from transactions processed through the wallet. The firm is focusing instead on building foundational relationships with merchants and payment networks.
However, the feature could eventually become another revenue stream. This expansion aligns with the company growing its presence in AI-assisted shopping.
The introduction of ChatGPT Wallet follows several earlier shifts in OpenAI commerce offerings. The firm previously introduced Instant Checkout in September 2025 before moving away from that model.
OpenAI later launched a revamped product discovery and comparison experience in March. The company also unveiled its dots agents during its annual developer conference in late September.
The launch arrives during a period of fierce competition among technology companies. Firms are racing to develop personal AI assistants capable of handling shopping, travel bookings, and other everyday tasks.
