OpenAI launches ChatGPT Wallet for agent-mediated payments

OpenAI introduced ChatGPT Wallet, a tokenized payment system built with American Express, Mastercard and Visa that lets ChatGPT, Work and Codex agents complete purchases on a user's behalf.

OpenAI introduced ChatGPT Wallet on November 13, 2026, a tokenized payment system built with American Express, Mastercard and Visa that lets agents in ChatGPT, including the dots computer-use agents, ChatGPT Work and Codex, complete purchases on a user's behalf, according to Introducing ChatGPT Wallet.

What changed

Built with American Express, Mastercard and Visa, alongside payment processors Adyen, Checkout.com and Stripe, and fraud-prevention partners Forter, Riskified, Sardine and Signifyd.
First available through ChatGPT's dots computer-use agents, with use also referenced for ChatGPT Work and Codex agents.
Payments use a substitute payment token, so merchants and agents never see the real card number.
Every purchase requires biometric approval, such as Face ID, before it completes.
Users keep the rewards and dispute protections that already come with their card.
OpenAI takes no commission on purchases during the initial rollout.

What it means for builders

ChatGPT Wallet is OpenAI's first payment primitive extended explicitly to Codex agents, not just consumer ChatGPT, pointing toward agents that can transact on their own as part of coding and automation workflows. For people who build with AI, that opens a path where an agent handling a repetitive task, such as buying a service or renewing a subscription, can also complete the payment step itself, without a person re-entering card details at every step.

Availability and next steps

Initial eligibility covers ChatGPT Pro subscribers who are 18 or older, located in the US, with an eligible US-issued card and a US billing address.
OpenAI published a Commerce Partner Playbook aimed at merchants.
OpenAI states that ChatGPT has 1.2 billion weekly users.

Sources

Introducing ChatGPT Wallet (OpenAI, November 13, 2026, official)

Written with AI assistance, strictly from the sources listed above. Before it went live, automated checks verified its dates, sources and every language edition.