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ChatGPT Launches Wallet Feature Allowing Users to Pay With Agents

Provided by Dow Jones

By Katherine Hamilton

ChatGPT has launched a payment feature that lets users pay with an artificial-intelligence agent.

Users can add a debit or credit card to ChatGPT Wallet, which can then be used for payments without the need to re-enter card information.

Before each purchase, the customer reviews the purchase and approves it with facial or fingerprint identification, similar to Apple Pay. Each approval creates a clear record of the purchase.

The payment is made with a token, which is a substitute for the user's actual card details, so those details aren't shared with the business or agent.

ChatGPT owner OpenAI said it expects users will eventually be able to delegate purchases entirely to their AI agent by setting parameters, such as spending limits and purchase categories.

ChatGPT Wallet began rolling out Friday via the platform's new agent offering, Dots. The product will initially be available to Pro subscribers aged 18 and older in the U.S. with eligible U.S.-issued cards.

The wallet platform was built in partnership with American Express, Mastercard and Visa, OpenAI said. The company also released a set of tools and guidance to help businesses figure out how to accept payments from AI agents.

Write to Katherine Hamilton at katherine.hamilton@wsj.com

(END) Dow Jones Newswires

November 13, 2026 11:55 ET (16:55 GMT)

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