Introducing ChatGPT Wallet

We’re introducing ChatGPT Wallet, setting a new bar for secure payments by agents. It’s the first wallet that lets agents pay without access to users’ actual card details and that requires a security check for every purchase, while also preserving existing card rewards and protections for eligible disputes. Built in partnership with American Express, Mastercard, and Visa, ChatGPT Wallet will initially be available through dots⁠ for ChatGPT Pro subscribers in the US. Alongside ChatGPT Wallet, we’re releasing tools and guidance to help businesses support customers using agents.

1.2B people use ChatGPT each week, and many of them turn to it to research products, compare options, and decide what to buy. With ChatGPT Wallet, we’re now helping people complete purchases, and giving their agents a way to pay that businesses can accept with their existing systems.

To accept payment from ChatGPT Wallet, websites need to ensure agents are not inadvertently blocked, and payment and risk systems need to recognize legitimate purchases made by agents. We’re starting with limited availability to ChatGPT Pro users, so we can learn from real-world use and work with businesses, banks, and payment networks to improve compatibility and reliability.

How a purchase works

ChatGPT Wallet gives agents a secure way to pay on a user’s behalf. Users add a card once, then approve each purchase without re-entering their payment details.

Before each purchase, the user reviews the items, total, and 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 the user approves, 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 their selected card without ChatGPT Wallet sharing their actual card details with the business or agent.

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