ChatGPT Wallet lets your dot pay for things you approve. Who gets it, and how it works

What OpenAI launched on November 13

On November 13, 2026, OpenAI introduced ChatGPT Wallet, “setting a new bar for secure payments by agents.” It’s how a dot, the always-on agent that comes with ChatGPT Pro, pays for something you’ve asked it to buy. You add a card once. When the dot reaches checkout, you see what it’s about to buy and approve it, and the store is paid with a stand-in for your card number rather than the number itself.

OpenAI built it with American Express, Mastercard and Visa. “ChatGPT Wallet begins rolling out today in dots,” the announcement says, so it may not be in yours yet.

Who can use it

OpenAI’s help article keeps it narrow: “Wallet is available for US Pro users with eligible US-issued American Express, Chase, Mastercard and Visa cards.” Here is what it takes at launch:

	ChatGPT Wallet at launch
Plan	ChatGPT Pro. Free, Go and Plus don’t include dots
Country and age	The US, 18 and over, with a US billing address
Cards	Eligible US-issued American Express, Chase, Mastercard and Visa cards; for Chase, the primary cardholder, not an authorized user
Where in ChatGPT	Conversations with your dot, not Chat, Work or standalone Codex threads
Approval	Every purchase, with Face ID, Touch ID or another biometric check, or a link or QR code from another device
What the store gets	A payment token, not your card number

ChatGPT’s pricing page lists “Dot, your always-on agent” on Pro and marks dots “No” on the other personal plans, so on Plus there’s no way to use Wallet today. OpenAI says it will “learn from early use and expand availability,” without a date, a plan or a country.

How a purchase works

1. Add a card. Ask your dot to add one, or open Settings > Wallet > Add Card in the mobile app. OpenAI is firm about where the number goes: “Enter your card number, expiration date, and security code in the secure form—not in chat.” Your bank may ask you to verify the card, and a Chase card has to be approved in the Chase app.
2. Let the dot shop. It finds what you asked for and takes it to checkout.
3. Check, then approve. The help article says to check the merchant, the items, the total, the card, and any shipping or recurring-payment terms, then approve with your biometric check. “Each approval creates a clear record of the purchase the user authorized the agent to make.”
4. The store gets a token. The payment network issues a token in place of your card details, and you’re charged “without ChatGPT Wallet sharing their actual card details with the business or agent.” That’s why “the number entered at checkout may differ from the number on your physical card.”

One step is easy to misread. Approving means checkout can go ahead, and the help article is explicit: “It does not confirm that the merchant has placed your order.” Look for the store’s confirmation, as you would if you’d bought it yourself.

What it can’t do yet

• Buy without asking. Every purchase needs a security check. “Over time, we expect users to be able to delegate purchases entirely to their agent,” OpenAI says, within limits you set, “such as spending limits, purchase categories, or time periods.” It gives no date.
• Pay everywhere. “Wallet may not be able to complete checkout at every store.” OpenAI warns businesses that their fraud checks “may still flag legitimate purchases made by agents, leading to declines or cancellations,” and its guide for businesses asks them to let signed agent traffic through.
• Use virtual cards. “Virtual cards are not supported at launch.”
• Work outside dots. “Wallet isn’t available in Chat, Work, or standalone Codex threads.”

Some stores don’t want agents buying at all. On November 11, United Airlines revised its contract of carriage to prohibit “the use of AI Agents to make, modify or service a Ticket, and/or to purchase any service or product,” and its definition of an agent applies “whether or not Passenger or another individual supervises or approves its actions.” A biometric approval in ChatGPT doesn’t change that. United still allows AI for planning: “You can still use AI to research and plan trips, as long as the tool doesn’t access united.com or the United app.” Our memo on United has the rest.

If something goes wrong

You buy from the store, not from OpenAI: the business keeps pricing, fulfillment, returns and customer service, the announcement says. The help article splits problems three ways:

• The store, “For order status, cancellations, returns, or refunds.”
• Your card issuer, “For declined, pending, disputed, or unrecognized charges, or bank verification problems.”
• OpenAI Support, for Wallet errors, suspected unauthorized access, or a purchase that differs from what you approved.

“Users keep their card’s existing rewards and protections for eligible disputes with businesses,” OpenAI says, such as for a defective item. To stop using a card, ask your dot to remove it by its last four digits. “Once you remove a card, you can’t use it for new Wallet payments unless added back.” Removing it doesn’t cancel purchases already made or close the card with your bank.

Before you add a card

• Choose the card on purpose. OpenAI hasn’t described a spending limit within Wallet, so your card’s limit and your bank’s alerts are the backstop.
• Read every approval screen. It shows the total and any recurring-payment terms, and approving is what you’re on record as authorizing.
• Check the store’s rules first for flights and other purchases where the seller may refuse agents, as United now does.
• Keep card numbers out of chat. Wallet’s secure form is the only place OpenAI wants them.

What OpenAI hasn’t said

• When Wallet will reach Plus or Business plans, or countries outside the US.
• Whether Wallet itself has any spending cap at launch, or charges a fee.
• Which stores it works with, beyond saying it “may not be able to complete checkout at every store.”
• When dots will be able to buy within limits you set, without asking each time.

We’ll update this memo when OpenAI widens Wallet to more plans or countries, or lets dots buy without a per-purchase approval.