OpenAI has announced the launch of ChatGPT Wallet, a service that allows artificial intelligence to independently pay for purchases on behalf of a user without gaining direct access to their bank card data. The new tool was developed in partnership with payment systems American Express, Mastercard, and Visa.
OpenAI has announced the launch of ChatGPT Wallet, a service that allows artificial intelligence to independently pay for purchases on behalf of a user without gaining direct access to their bank card data. The new tool was developed in partnership with payment systems American Express, Mastercard, and Visa.
Initially, the feature is available in the US for adult ChatGPT Pro subscribers who have eligible cards from US banks, Reuters reports .
Access to the wallet is via dots, the company's autonomous AI agents that run in the background.
The data purchase and protection process is structured as follows.
Confirmation of each transaction. Before paying, the user can check the list of products, the total amount and the selected card, and then confirm the purchase using biometrics (Face ID or fingerprint).
Tokenization instead of card details. The payment network generates a special payment token instead of the actual card details. Thanks to this, neither the merchant nor the AI agent itself sees the user's confidential payment details.
In the future, OpenAI plans to expand the tool's autonomy: it is expected that users will be able to fully delegate shopping to AI agents within predefined restrictions — for example, spending limits, certain product categories, or time periods.
