Would you trust AI with your credit card? ChatGPT Wallet lets agents shop for you

Would you trust artificial intelligence with your credit card? For many people, that’s still a boundary they wouldn’t cross. OpenAI is now trying to push it with ChatGPT Wallet, a digital wallet from which Dots agents can pay for what they previously found for you – such as a new sweater or a hotel for your next vacation. But you still have the final say: without your explicit consent, the agent will not pay a single penny.

Every purchase must be confirmed with a security check

OpenAI describes the process in its official announcement. You add your card to the wallet only once, and then you just need to tell the agent what you’re looking for. Dots agents, which the company introduced at the end of September, will find the goods and proceed to checkout. However, they will stop there and show you the store, selected items, total amount, and the card from which payment will be made.

Now your dot can securely complete purchases on your behalf—with your approval.

With ChatGPT Wallet, agents pay without access to your actual card details. Every purchase requires a security check.

ChatGPT Wallet is rolling out starting today to dots, for Pro subscribers in the… pic.twitter.com/EhtEZNaKnt

— ChatGPT (@ChatGPT) November 13, 2026

Only when you confirm the purchase, for example via Face ID or fingerprint, will the payment go through. Each approval also creates a record of exactly what you allowed the agent to buy. ChatGPT has been able to shop directly in chat since last year, when OpenAI launched the Instant Checkout feature. However, that only worked with selected merchants, whereas now the agent completes the purchase directly on the store’s website.

Neither the store nor the agent will see your card number

The wallet does not transmit actual card details to the agent or merchant. After your approval, the card company generates a so-called token, which is a substitute card number with its own security code and validity, and the amount is then debited from your card. According to OpenAI, you will also retain card rewards and the protection the card offers in a dispute with a merchant, for example, if faulty goods arrive.

OpenAI built the wallet in collaboration with American Express, Mastercard, and Visa. However, it will only work where agents are allowed in. Some websites currently block AI agents, and store security systems may flag a purchase from an agent as suspicious and reject it. OpenAI has therefore issued a guide for merchants on how to avoid unwanted rejections.

ChatGPT Wallet is not yet coming to the Czech Republic

Starting Friday, the wallet is gradually rolling out only for Pro plan subscribers aged 18 and over in the USA, with American Express, Chase, Mastercard, and Visa cards issued in America. For a Czech user, there are thus two immediate obstacles. Besides an American card, they would also need the Dots agents themselves, which the Pro plan in Europe does not yet include.

OpenAI wants to go even further in the future. Eventually, it should be possible to pre-approve purchases and let the agent pay without confirming each item separately, within the limits you set – such as a spending limit, allowed product categories, or time period. The company has not yet revealed when this will be possible.

Would you let an AI agent shop for you if it were available in the Czech Republic?

Sources: OpenAI, GSMArena