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OpenAI introduces ChatGPT wallet for Pro subscribers

OpenAI introduces ChatGPT wallet for Pro subscribers

OpenAI / Wikimedia Commons (Public domain)

US Pro users can now save cards in ChatGPT and approve agent-driven purchases with Face ID or Touch ID

by Diego Almada Lopez

2 min read

In AI

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OpenAI has rolled out the ChatGPT Wallet to its Pro subscribers. The feature lets users store a credit or debit card inside ChatGPT and use it for purchases made through the company’s AI agents.

How the ChatGPT Wallet works

The setup is simple on paper. Pro subscribers save an eligible card to the Wallet. ChatGPT agents, which OpenAI calls “dots,” can then use it to complete purchases.

Access is narrow for now. The Wallet is open only to users in the United States who hold eligible cards from American Express, Chase, Mastercard, and Visa.

There are also personal requirements. Users must be at least 18 years old and live in the US to switch the feature on.

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The legal scaffolding is already in place. OpenAI’s terms of service and privacy policies covering the ChatGPT Wallet took effect on November 12, 2026.

One detail is easy to miss but worth knowing. The Wallet is separate from a different balance used for gift-card redemptions. That gift-card balance sits apart from the card-payment feature, so the two should not be confused.

Security: tokens, not card numbers

The company does not store full card details. It keeps tokenized card credentials instead. Full card numbers and CVVs are not stored.

Every purchase needs a human green light. Users must explicitly approve each transaction with biometric verification, such as Face ID or Touch ID, on compatible devices.

The agent can do the shopping. It cannot hit the buy button on its own. Agent-driven purchases are supported, but each one must be user-approved before it goes through.

Built on familiar payment rails

The Wallet plugs into the existing card system rather than reinventing it. Payments run through established networks, with American Express, Chase, Mastercard, and Visa named as eligible card sources. The Wallet does not utilize blockchain technology or cryptocurrencies in any form.

Until now, most AI shopping help stopped at recommendations. The user still had to leave the chat, open a checkout page, and type in card details. The Wallet tries to close that loop inside ChatGPT itself.

The biometric approval step creates a clear moment of consent for every transaction.

Disclosure: This article was edited by Diego Almada Lopez. For more information on how we create and review content, see our Editorial Policy.

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