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OpenAI launches ChatGPT Wallet for its AI shopping agents

Summarised from 4 outlets · Updated 13 Nov, 20:57 · Archive

OpenAI has launched ChatGPT Wallet, allowing its Dots AI agents to make purchases on behalf of users with their approval.

OpenAI has launched ChatGPT Wallet, a payment feature that enables its Dots AI agents to make purchases on behalf of users. The service is rolling out starting today to a limited number of US ChatGPT Pro subscribers aged 18 and over with a US billing address and eligible US-issued American Express, Chase, Mastercard or Visa cards.

Users add their card information to the wallet once, then prompt their agent to find and purchase items. Crucially, every purchase requires user approval and a biometric security check such as Face ID or a fingerprint scan before it completes. OpenAI says this creates a clear record of the transaction for dispute mitigation.

OpenAI has built the service to protect both consumers and merchants. Users' actual card details are never shared with agents or retailers. Instead, OpenAI partners with the payment networks to provide agents with a payment token—a scoped card number, security code and expiration date specific to each transaction. Cardholders retain their existing credit card rewards and protections.

Chaya Nayak, who leads product for monetisation and payments at OpenAI, told CNBC: "Our goal here is to really focus on merchants and our network partners and start building out a really great foundation that's safe and easy to use." OpenAI is not taking a cut of transactions initially as it builds relationships with merchants and positions itself as a platform for AI-assisted shopping.

The launch comes as consumer AI tools seek product-market fit for agentic tasks. Meta's Muse, which has over 10 million users, has seen AI-assisted shopping become a top activity, whilst companies like DoorDash and Uber have reported low numbers of AI agent orders. OpenAI eventually expects users to be able to delegate purchases entirely by setting spending limits, categories or time periods for pre-approval.

Some retailers have restrictions on AI agents or block them outright. Amazon blocked Meta's Muse agents earlier this year, highlighting that websites and payment systems must recognise legitimate agent purchases for the service to work widely.

OpenAI launches ChatGPT Wallet for its AI shopping agents
Image: Engadget

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In this story: OpenAI · American Express · Mastercard · Visa · Meta · Chaya Nayak · United States

This summary was written by AI from the headlines and standfirsts above, and states as fact only what at least two outlets report. How we use AI · Report a problem · Corrections log