ChatGPT Wallet: How Dots Pay, Eligible Cards and Setup

Last updated: November 15, 2026

ChatGPT Wallet, launched by OpenAI on November 13, 2026, lets your dot pay for purchases on your behalf. It is rolling out to US ChatGPT Pro users aged 18 and older with eligible credit cards. You approve every purchase with Face ID or Touch ID, and the store receives a payment token instead of your real card number.

This guide covers eligibility, card setup, approvals, troubleshooting and how Wallet compares with earlier ChatGPT shopping features.

Contents

What ChatGPT Wallet is
Eligibility and supported cards
How to add a card
How to approve a purchase
Managing cards and custom rules
Limitations and troubleshooting
Frequently asked questions

What ChatGPT Wallet is

OpenAI’s announcement describes ChatGPT Wallet as a way for agents to pay “without access to users’ actual card details.” It was built with American Express, Mastercard and Visa, and it works through dots, the always-on personal agents in ChatGPT.

You add a card once. When your dot is ready to check out, you review the merchant, items, total and selected card, then approve with a biometric check. The payment network then provides a payment token with its own card number, security code and expiration date. OpenAI says you keep your card’s rewards and dispute protections.

You transact directly with the business, which handles pricing, fulfillment and returns. If you are new to dots, start with our ChatGPT Dots guide.

Eligibility and supported cards

The Wallet help article lists these requirements. Access is gradual, so an eligible account may not see Wallet yet.

Requirement	Details
Plan	ChatGPT Pro (see our ChatGPT Plus vs Pro comparison)
Location and age	United States, 18 or older, US billing address on the card
Where it works	Conversations with your dot only; not in Chat, Work or standalone Codex threads
Supported cards	Eligible US-issued American Express, Chase, Mastercard and Visa credit cards
Not supported	Debit cards; virtual cards at launch; Chase authorized users (primary cardholder required)
Approval device	A supported device with biometric verification, such as Face ID or Touch ID

You also need a dot. OpenAI’s dots help article says dots for Pro users are rolling out to people 18 and older outside the European Economic Area, Switzerland and the UK. Wallet itself is US-only for now.

How to add a card

You can start from your dot or from Settings. Both paths open a secure form, and the card enrollment flow also appears the first time you start a purchase.

Set up a dot in the ChatGPT mobile app, desktop app or desktop web if you do not have one.
In a conversation with your dot, ask “Help me add a card to Wallet,” then open the secure setup link. On mobile, you can instead open Settings, select Wallet, then Add Card.
Enter the card number, expiration date and security code in the secure form, never in the chat. For American Express, use the 4-digit code on the front.
Review the ChatGPT Wallet terms and privacy notice, then select Add card.
Complete bank verification if asked, such as a code or an approval in your bank’s app. For Chase, approve the connection in the Chase mobile app, scanning a QR code if you started on a computer.
Wait for the Card added message before starting a purchase.

Wallet cards are separate from your ChatGPT subscription payment method and from any ChatGPT gift card or prepaid balance.

How to approve a purchase

Ask your dot for a task such as “Help me find a new sweater” or “Book me a hotel for my trip to Chicago next weekend,” which are OpenAI’s own examples. When you are ready to buy, ask it to complete the purchase.

Check the merchant, items, total, selected card and any shipping or recurring-payment terms in the purchase request.
Select Approve and complete Face ID, Touch ID or another biometric check. If your current device cannot do this, follow the link or QR code to a supported device signed in to the same account.
Let your dot finish checkout, then confirm the order with the merchant. “Ready to check out” means only that your approval is done.

The number used at checkout may differ from your physical card. If you agree to a subscription, the merchant may store that credential and charge it again, so cancel recurring charges with the merchant.

Managing cards and custom rules

Ask your dot to show your saved cards. It lists each card’s nickname, last four digits and expiration date. To change the default, say “Make the card ending in 1234 my default.” To remove a card, name its last four digits, check the confirmation, then list your cards again to confirm removal.

Dots also have custom rules for actions such as sharing, purchasing or accessing data. On mobile, open Customize > Custom rules and choose whether the dot should act without asking, act if pre-approved, ask first, or hand off to you. Wallet still requires a biometric check for every purchase today. OpenAI says pre-approved purchases with spending limits, categories or time periods are planned, without giving a date.

Limitations and troubleshooting

Not every store works. OpenAI says some sites may block agent purchases. CNBC reported that United Airlines plans to block agents and that Amazon prevents agent purchases on its platform.
Who to contact. Use the merchant for order status, returns and refunds; your card issuer for declined, pending or disputed charges; and OpenAI Support for Wallet errors or a purchase different from what you approved.
Failed checkout with a pending charge. Check for a merchant confirmation before retrying, and ask your issuer about the hold.

Compared with earlier efforts, CNBC notes that OpenAI moved away from its Instant Checkout feature and launched a revamped shopping experience in March. Wallet differs because it pays at existing merchant checkouts. The Verge compares its token approach to tap to pay, Apple Pay and Google Wallet. For other agent payment and finance tools, see our ChatGPT Finances guide and Replit agentic commerce guide.

For merchants, OpenAI published a Commerce Partner Playbook covering business claiming (see our ChatGPT Business Hub guide), Web Bot Auth and reducing declines.

Frequently asked questions

Who can use ChatGPT Wallet?

ChatGPT Wallet is rolling out gradually to ChatGPT Pro subscribers in the United States who are 18 or older, have a US billing address and use an eligible US-issued American Express, Chase, Mastercard or Visa credit card. It works only in conversations with a dot.

Does ChatGPT Wallet share my card number with the store?

No. After you approve a purchase, the payment network issues a payment token with its own card number, security code and expiration date. The charge goes to your selected card, but OpenAI says your actual card details are not shared with the business or the agent.

Can I use a debit card or virtual card with ChatGPT Wallet?

No. OpenAI's help center says ChatGPT Wallet does not support debit cards, and virtual cards are not supported at launch. Add an eligible US-issued credit card instead.

Is ChatGPT Wallet the same as my ChatGPT balance?

No. Cards saved in Wallet are separate from the payment method for your ChatGPT subscription and from any gift card or prepaid ChatGPT balance. Wallet cards are only used for purchases your dot makes for you.

Can my dot buy things without asking me?

Not today. Every Wallet purchase requires your review and a biometric check such as Face ID or Touch ID. OpenAI says it expects to add pre-approved purchases with limits such as spending caps, categories or time periods later.

Does OpenAI charge a fee for ChatGPT Wallet purchases?

OpenAI has not published a Wallet fee. CNBC reported that OpenAI said it is not taking a cut of transactions to start. You still need a ChatGPT Pro subscription, and your card's normal terms apply.

ChatGPT Wallet: Power-User Guide to Dot Purchases, Cards and Approvals