Announced on Friday, the feature was developed in partnership with American Express, Mastercard and Visa. It enables eligible users to enter their payment card details once and then use an AI agent to search for products and complete purchases after passing a security check, Anadolu Agency reported.
OpenAI said its agents would not have direct access to users’ card details. Instead, payment networks would generate transaction-specific tokens containing a limited-use card number, security code and expiration date.
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The company added that users would continue to receive their existing credit card rewards and protections when making purchases through the wallet.
OpenAI does not initially plan to take a share of transactions processed through ChatGPT Wallet. Instead, it aims to strengthen relationships with merchants and payment networks as it expands its AI-powered commerce services.
The feature could eventually provide the company with an additional source of revenue as AI-assisted shopping becomes more widespread.
ChatGPT Wallet is the latest development in OpenAI’s efforts to expand its commerce offerings. The company introduced Instant Checkout in September 2025 but later moved away from that model, launching an updated product discovery and comparison experience in March.
OpenAI introduced its dots AI agents at its annual developer conference in late September. The new wallet is part of a broader push by technology companies to develop personal AI assistants capable of handling everyday tasks, including shopping and travel bookings.
