OpenAI’s ChatGPT Wallet lets eligible US Pro users save a payment card and have their personal AI agent, called a dot, submit purchases they approve. According to OpenAI’s Wallet guide, the feature works in conversations with a dot. The checkout flow requires biometric verification on a supported device, such as Face ID or Touch ID.
Who can use ChatGPT Wallet?
The Wallet terms, effective November 12, require users to be at least 18, live in the United States and use an eligible US-issued card with a US billing address. OpenAI’s guide lists eligible American Express, Chase, Mastercard and Visa cards. Chase users must be the primary cardholder. The guide limits Wallet to Pro users with a dot, so access through this rollout is unavailable in Uganda.
What happens at checkout
A dot can find a product, prepare an order or help fill in a merchant’s checkout. The approval screen can show the merchant, items, total or maximum price, selected card, and any recurring charge or hold it knows about. OpenAI says a material change before submission triggers another approval request. The merchant still decides whether to accept the order and handles fulfilment and returns under its own policies.
OpenAI’s guide describes approving an individual purchase with biometrics. Its terms also account for approvals granted in advance, so how a purchase is authorised depends on the flow the user is offered. An approval confirmation means ChatGPT can proceed with checkout. The merchant’s confirmation tells the buyer whether the order was placed.
What payment information does OpenAI receive?
According to the Wallet privacy notice, OpenAI’s payment service provider collects the full card details through a secure form. OpenAI receives a tokenised payment credential and limited details such as the issuer, last four digits and expiry date. For a purchase, a substitute credential can be sent to the merchant along with the order, billing and delivery information needed for checkout. The charge still goes to the underlying card account.
OpenAI also says it collects purchase records, including the merchant, items, amount and order status. Users can remove a saved card in Wallet settings. Orders already submitted remain subject to the merchant’s cancellation and refund terms, including any recurring payment agreement the buyer accepted.
How Wallet differs from ChatGPT Finances
Wallet handles checkout. The separate Finances feature uses Plaid to read authorised financial data, such as balances and transactions, so ChatGPT can answer questions about spending or recurring bills. Finances also offers a separate Experian connection for credit information. The account connection does not initiate payments or trades. Wallet uses an eligible card for purchases and has its own privacy notice and approval flow.
