OpenAI launches ChatGPT Wallet so AI agents can pay without seeing your card

OpenAI has launched ChatGPT Wallet, which lets its AI agents pay for purchases without seeing users' card details, the company announced. It was built with American Express, Mastercard and Visa, and is rolling out first in dots, OpenAI's agents, for ChatGPT Pro subscribers in the US.

Users add a card once and approve each purchase after reviewing the items, total and card, with a check such as Face ID or a fingerprint. The payment network then issues a token with its own card number, security code and expiry date, so neither the business nor the agent sees the real card. Users keep their card rewards and dispute protections, and businesses keep control of pricing, delivery and returns. OpenAI is not taking a cut of purchases at launch, The Next Web reports, citing CNBC.

OpenAI said some websites and risk systems may block or decline agent purchases, and it is working with fraud prevention firms including Forter, Riskified, Sardine and Signifyd and payment providers Adyen, Checkout.com and Stripe. It also published a playbook for businesses. Over time, OpenAI expects users to let agents buy on their own within set limits. Under the wallet terms, OpenAI is not a bank, card issuer or merchant and does not hold purchase funds, Quartz reports.