OpenAI Launches ChatGPT Wallet, Letting Agents Pay for Purchases for U.S. Pro Subscribers
OpenAI introduced ChatGPT Wallet on November 13, a wallet that lets agents pay without access to users' actual card details and that requires a security check for every purchase, while preserving existing card rewards and protections for eligible disputes. OpenAI described it as the first wallet with that design.
ChatGPT Wallet was built in partnership with American Express, Mastercard and Visa, and will initially be available through dots for ChatGPT Pro subscribers in the United States. OpenAI said 1.2 billion people use ChatGPT each week, and many of them use it to research products, compare options and decide what to buy.
To use the wallet, users add a card once, then approve each purchase without re-entering payment details. Before each purchase, the user reviews the items, the total and the selected card, then approves it with a security check such as Face ID or a fingerprint scan. Each approval creates a clear record of the purchase the user authorized the agent to make.
After approval, the payment network provides a payment token, a substitute for the user's actual card details with a card number, security code and expiration date. The payment is charged to the selected card without ChatGPT Wallet sharing the actual card details with the business or the agent. Users transact directly with businesses, which keep their customer relationships and control over pricing, fulfillment, returns and customer service, while banks and networks evaluate transactions.
Alongside the wallet, OpenAI published a Commerce Partner Playbook with tools and guidance to help businesses support customers using agents, covering claiming a business listing, uploading a product feed with current pricing and availability, ensuring agent access to websites, and working with payment and risk providers to reduce unnecessary declines. Fraud prevention partners named by OpenAI include Forter, Riskified, Sardine and Signifyd, and payment service providers include Adyen, Checkout.com and Stripe.
ChatGPT Wallet began rolling out in dots on November 13, initially for Pro subscribers aged 18 and older in the United States with eligible U.S.-issued cards. OpenAI said that over time it expects users to be able to delegate purchases entirely to their agent by setting parameters such as spending limits, purchase categories or time periods, with biometric checks and clear records of authorization.
Source: OpenAI
Published by GSM · USA (original Chinese edition)
Photo: 图：一名男子手持智能手机，背景为 ChatGPT 字样。作者：Jernej Furman，CC BY 2.0，维基共享资源。 / Photo: A man holding a smartphone in front of a ChatGPT sign. Credit: Jernej Furman, CC BY 2.0, via Wikimedia Commons.
