ChatGPT launches wallet feature to enable secure agent-led payments

ChatGPT has introduced ChatGPT Wallet, a new payment system designed to facilitate trusted, agentic commerce by allowing AI agents to make purchases on behalf of users without accessing their actual card details. Developed in collaboration with major entities including American Express, Mastercard, and Visa, the wallet initially rolls out today to ChatGPT Pro subscribers aged 18 and older in the US, accessible via dots. The system functions by requiring users to approve each transaction via a security check, such as Face ID or fingerprint scan, after reviewing the purchase details. Upon approval, a payment token—a substitute for the real card information—is provided to the payment network, ensuring the business never sees the user's sensitive data. This structure aims to maintain existing card rewards and dispute protections. To support this new modality, the company is also releasing a Commerce Partner Playbook offering guidance to businesses. This playbook addresses technical requirements, such as configuring CDNs or firewalls to recognize signed requests, and advises on working with risk providers. Partnerships are already underway with fraud prevention firms like Forter, Riskified, Sardine, and Signifyd, alongside payment service providers including Adyen, Checkout.com, and Stripe, to ensure smooth transaction recognition.