OpenAI has introduced ChatGPT Wallet, a shopping feature that lets its “dots” AI agents buy on a user’s behalf after authorization, according to a Beating AI bulletin published on November 13, 2026, at 23:03 UTC+08:00. Initial access is limited to US ChatGPT Pro subscribers aged 18 or older.
An eligible user enters their card details once, then can ask an agent to find products. That does not authorize every purchase: the user must confirm each payment through secure verification. OpenAI says the agent does not see the user’s actual card details. Instead, the payment networks provide a token specific to each transaction, with a card number, security code and expiration date usable only for that transaction.
OpenAI developed the feature with American Express, Mastercard and Visa. Cardholders can retain their existing credit-card rewards and purchase protections. OpenAI says it will not initially take a cut of transactions; that statement does not address other possible payment fees. Its current focus is building partnerships with merchants and payment networks.
The wallet extends a shopping journey that OpenAI began expanding when it revamped product search and price comparison in March 2026. As of the end of the third quarter, ChatGPT had more than 1.2 billion weekly active users and nearly 100 million paying users, the bulletin reported.
Whether an agent can complete that journey also depends on merchants. United Airlines will block agents from its booking system, while Amazon does not allow agents to place orders on its platform. OpenAI released tools and guidance to help merchants check whether their sites inadvertently block its agents.