According to reports, OpenAI has launched the ChatGPT Wallet, enabling an AI agent named "dot" to assist users in selecting products and completing purchases and checkout on their behalf. This feature is currently available only to a select group of U.S.-based ChatGPT Pro users who are over 18 years old and have linked a U.S.-issued Visa, Mastercard, or American Express card.

Users can review items, total cost, and payment card details before checkout and complete secure authentication via facial recognition or fingerprint. The Wallet utilizes payment tokens instead of actual card numbers; merchants receive fulfillment information such as shipping address and contact details but never access users’ real card data. Users retain eligibility for credit card rewards and can still leverage card protection mechanisms like transaction disputes. OpenAI plans to introduce additional features including spending limits, category restrictions, time-based controls, and expanded retailer support in the future. Additionally, the company has released a Commerce Partner Playbook tailored for merchants.