OpenAI has launched ChatGPT Wallet, a payment feature that lets its Dots AI agents buy products for users. It began Friday for US-based Pro subscribers aged 18 and older. Users save their card once, but must approve each purchase with Face ID or a fingerprint scan. Merchants receive a payment token instead of the card number.
OpenAI has launched ChatGPT Wallet, a payment feature that lets its newly released Dots AI agents make purchases on a user's behalf. The rollout started Friday for US-based Pro subscribers aged 18 and older.
The idea is simple enough. Users enter their card information once, and the agent can gather items and buy them. The catch is that a chatbot now has access to a way to spend your money, and AI systems are known to make mistakes. OpenAI has built in a safeguard to address that concern. Agents can search for products and assemble purchases, but the human has to finalize every order.
How does ChatGPT Wallet keep purchases secure?
Each purchase must be approved through a security check, such as Face ID or a fingerprint scan. OpenAI says that approval creates a clear record of the transaction, which could help resolve disputes if one comes up later.
Do merchants see your card details?
Merchants do not see the card itself. Instead, they receive a payment token, which the company describes as a substitute for the user's actual card details. OpenAI said agents pay without access to the underlying card number.
The company has partnered with American Express, Mastercard and Visa on the program. OpenAI says cardholders can keep earning their current credit card rewards points and retain their existing protections.
Chaya Nayak, who leads product for monetization and payments at OpenAI, said the early focus is on building a foundation for merchants and network partners. "Our goal here is to really focus on merchants and our network partners and start building out a really great foundation that's safe and easy to use," Nayak told CNBC.
For now, OpenAI is not taking a cut of purchases made through the system. The company has not said when that could change. It has said it plans to "work with businesses, banks and payment networks to learn from early use and expand availability" over time.
The launch comes as businesses are still deciding how to handle AI agents that shop on their own. Several companies have moved to block the practice outright. Delta and United Airlines have banned the use of agents to make purchases, and Amazon has taken the same position, according to reports.
Who can use ChatGPT Wallet?
ChatGPT Wallet is available now, but only to eligible users in the United States. OpenAI has not said when, or whether, the feature will reach users in other countries.
Este artigo foi escrito com a assistência de IA.
News Factory APP - notícias agênticas para impulsionar seu SEO e AEO.