OpenAI launches ChatGPT Wallet allowing AI agents to buy products online

OpenAI has rolled out ChatGPT Wallet, a payment system that allows its autonomous agents, known as dots, to complete checkouts on behalf of users.

The feature works across Visa, Mastercard and American Express networks. Instead of handing over card numbers to web stores or letting the AI store raw payment details, the system generates a single-use payment token through the relevant card network to complete each order. Users enter their credit or debit card once, review the agent basket, total price and destination details, and then approve the transaction using a biometric scan such as Face ID or a fingerprint.

OpenAI confirmed that transactions processed through the wallet maintain existing credit card loyalty points and dispute protections. The rollout has started in the United States for adult subscribers on ChatGPT Pro, with wider availability planned as testing progresses.

Alongside the user feature, OpenAI published technical guidance for businesses and developers. The wallet interacts with standard web checkout systems without requiring custom code, provided stores do not block agent browsers. OpenAI also asked online retailers to update fraud monitoring systems to recognise verified agent visits rather than filtering them out as bot traffic.

What this means for Australian businesses

The initial release applies only to US Pro accounts, but the tool changes how people place orders online.

• Check your bot protection settings to ensure security rules do not block legitimate AI agents that try to browse products or complete orders for customers.
• Review mobile checkout flows so multi-step forms, expired carts or redirects do not cause agent purchases to fail before the buyer approves them.
• Keep product catalogues up to date with clean item descriptions, accurate pricing and real-time inventory counts so software agents can find goods and check availability.