Who can use ChatGPT Wallet right now?
ChatGPT can now shop for you. OpenAI has launched a wallet feature that lets its AI agents, called dots, help users decide what to buy and then complete the purchase on their behalf. The option is available at first to a limited number of U.S. ChatGPT Pro subscribers, ages 18 and up, who have a U.S.-issued Visa, Mastercard, or American Express card.
The launch comes as consumer AI tools try to find their footing. They are still working out how to make people more efficient at everyday tasks, and shopping is one of the areas being tested. Companies such as DoorDash and Uber have so far reported low numbers of orders placed by AI agents. Meta's Muse, which now has more than 10 million users, has seen AI-assisted shopping become a top activity on its app. Other personal AI agents, such as Instinct, also support making purchases for users. OpenAI's move into agentic shopping fits that trend.
How does ChatGPT Wallet let AI agents check out?
Setting up the feature takes a one-time step. ChatGPT subscribers add their eligible payment cards to ChatGPT Wallet and then ask their dot to help with a purchase. Users do not need to re-enter payment information each time they buy. When a purchase is ready, ChatGPT Wallet charges the selected card using a payment token, a substitute for the actual card details. That means the card information is not shared with either the dot or the merchant.
Merchants receive what they need to fill the order directly from the dot, including the shipping address and contact information, according to OpenAI. The company says customers who buy through their dots can still earn credit card rewards and keep the protections that typically come with their cards, such as the ability to dispute transactions.
Can you approve purchases before a dot checks out?
Users stay in control, OpenAI says. Before checkout, they can review the items, the total, and the payment card that will be charged. They then approve each purchase with a security check such as Face ID or a fingerprint, which creates a record of the transaction.
The limited rollout gives OpenAI room to test and improve the feature before it reaches more people. The company plans to add more control over time. Users would be able to set spending limits or configure rules around purchase categories or time periods. With those controls in place, they could pre-approve certain purchases and let their agent handle them with less direct involvement.
OpenAI also wants the feature available at a wider range of supported retailers. That could be difficult. Some retailers are already blocking AI agents from using their sites. The largest retailer to ban AI agents so far is Amazon, which is steering shoppers toward its own AI agent, Alexa.
To help merchants adapt, OpenAI has published a Commerce Partner Playbook. It offers tools and guidance for sites that want to support customers who shop through agents.
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