OpenAI began rolling out ChatGPT Wallet on 13 November 2026 to US ChatGPT Pro subscribers aged 18 and over, allowing their AI assistant to complete purchases they approve. The initial release works through dots, OpenAI’s personal AI assistants, using existing website checkouts.
OpenAI says Wallet supplies a payment token—a substitute card credential—so the assistant and merchant do not receive the user’s actual card details. The purchase is charged to the selected card account.
Who can use it now
The current eligibility guide limits Wallet to conversations with a dot, not Chat, Work or standalone Codex threads. Users need an eligible US-issued American Express, Chase, Mastercard or Visa card, a US billing address and a supported device for biometric approval. Chase users must be the primary cardholder; virtual cards cannot be enrolled at launch.
Pro subscriptions start at US$100 a month. That is the ChatGPT subscription price, not money available to spend through Wallet. Enter card details only in the secure setup form, never in chat.
Approval is not an order confirmation
Before approving, check the seller, items, total, selected card and delivery terms, including any recurring charge or deposit. The Wallet terms say approval authorizes submission of that specified purchase. A material change before submission requires renewed approval.
This creates three distinct checkpoints: your consent, your card issuer’s payment authorization and the merchant’s acceptance of the order. Passing the first does not establish that the others succeeded; the issuer and merchant make their own decisions.
OpenAI’s help page says “Ready to check out” means approval is complete, not that an order has been placed. If the outcome is unclear, check for the merchant’s confirmation before trying again.
OpenAI describes fully delegated purchases within preset limits as a future direction, not the feature being rolled out today.
Recurring charges and problems after checkout
Wallet supports subscriptions where the merchant’s checkout allows recurring billing and the customer consents. OpenAI’s merchant guidance distinguishes that agreement from permission to reuse the payment credential for an unrelated purchase, which it does not allow.
Later charges follow the agreed plan. Removing a card from Wallet does not cancel it; contact the merchant to end the recurring payment.
For problems, the support routes remain separate:
The merchant handles order status, cancellations, returns and refunds.
The card issuer handles billing errors and unauthorized charges; report an unrecognized charge promptly.
OpenAI Support handles Wallet setup or approval errors, account-access concerns and purchases that differ from what you approved.
Your cardholder agreement still applies, including its interest, fees, rewards and dispute rules. Wallet is not a blanket promise of reimbursement.
Substitute card details do not make shopping anonymous
According to the Wallet privacy notice, a service provider collects the underlying card details; OpenAI receives tokens and limited card information, not the full card number or security code. OpenAI also collects contact, purchase, approval and device information. Tokenization therefore limits exposure of card credentials, rather than making the transaction anonymous. Removing a card does not erase all retained records.
What online sellers need to know
OpenAI says existing checkouts need no Wallet-specific integration, but website and payment-risk systems can still block agent purchases. For sellers, the practical next step is to check with their existing payment and risk providers about handling legitimate agent traffic—not assume every checkout will work.
A shopper’s dot is separate from a seller’s Business Agent. Current Business Agent documentation still says those customer-facing chats cannot complete purchases. Our Business Hub and agents guide explains that separate offering for business owners.