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Home/Tech/OpenAI opens ChatGPT Wallet for U.S. Pro users
VERIFIEDBy Xavier Rivera·Friday, November 13, 2026 at 8:14 PM AST·1.5 min read

OpenAI opens ChatGPT Wallet for U.S. Pro users

OpenAI has introduced ChatGPT Wallet, which lets a dot pay without access to the user's card details. It is starting with ChatGPT Pro subscribers in the United States, and every purchase needs a security check.

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OpenAI opens ChatGPT Wallet for U.S. Pro users
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TL;DRAI · 60 sec read

OpenAI has introduced ChatGPT Wallet for ChatGPT Pro subscribers in the United States. A user must approve the items, the total, and the card with a check such as Face ID or a fingerprint scan. The network then issues a token, and the wallet does not share the real card details. American Express, Mastercard, and Visa are the launch partners.

OpenAI has introduced ChatGPT Wallet, a way for its dots agents to pay without access to a user's card details. It is starting with ChatGPT Pro subscribers in the United States, and every purchase requires a security check.
Before a charge, the user reviews the items, the total, and the selected card, then approves with a security check such as Face ID or a fingerprint scan.
The wallet is built with three card networks. OpenAI says the launch partners are American Express, Mastercard, and Visa. Eligible disputes keep the card's existing rewards and protections. The company says it is limiting the first release to Pro users so it can learn from real use and work with banks and networks on compatibility.
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The user approves every purchase. A person adds a card once. Before a charge, the user reviews the items, the total, and the selected card, then approves with a security check such as Face ID or a fingerprint scan. That approval is the record of what the user authorized the agent to buy.
After approval, the payment network provides a token with a card number, a security code, and an expiration date.
The agent does not see the real card. After approval, the payment network provides a token with a card number, a security code, and an expiration date. The charge goes to the selected card. OpenAI says the wallet does not share the actual card details with the business or the agent.
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Wider delegation is still a plan. OpenAI says it expects that, over time, a user will be able to set spending limits, categories, or time periods and pre-approve those purchases with extra safeguards. That is not how the wallet works at launch. The company also says 1.2 billion people use ChatGPT each week.
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