OpenAI on Friday launched ChatGPT Wallet, a payment tool that lets its dots personal agents complete purchases for eligible ChatGPT Pro subscribers in the United States^1,2.

The company said it built the wallet with American Express, Mastercard and Visa, and that cardholders keep existing rewards and protections on eligible disputes^1,2.

Users store a card once, ask a dot to find items, then review the merchant, goods, total and selected card before approving each purchase with a security check^1,2.

OpenAI said dots never receive actual card numbers; payment networks instead issue a token with a scoped card number, security code and expiration date for that transaction^1,2.

Chaya Nayak, who leads product for monetization and payments at OpenAI, told CNBC the company is focused on merchants and network partners and on a foundation that is "safe and easy to use"¹.

Availability starts with Pro subscribers aged 18 and older in the United States who hold eligible U.S.-issued cards, OpenAI said^1,2.

Luke Gebb, American Express executive vice president and global head of innovation, told CNBC the limited start is "the right approach to make sure things are working" before OpenAI expands it¹.

OpenAI said it is not taking a share of Wallet transactions at launch and is instead trying to position ChatGPT as a shopping platform after earlier Instant Checkout and product-discovery experiments¹.

The company said it published tools and guidance so merchants do not block its agents and so payment and risk systems treat agent purchases as legitimate, calling agentic commerce still in its early days^1,2.

CNBC noted that some companies have opted out of agent shopping, including United Airlines saying it will block agents from booking tickets and Amazon blocking some agent purchases¹.

OpenAI said users transact directly with businesses, which keep pricing, fulfillment, returns and customer service, and that it may later allow pre-approved purchases within limits².