OpenAI launches ChatGPT Wallet for card payments via dots

Familiar card payments for dots

I find the use of existing card networks the most useful part of the new ChatGPT Wallet. OpenAI launched this feature on Friday to let its dots assistants complete purchases through American Express, Mastercard, and Visa. The rollout targets ChatGPT Pro subscribers in the United States who are 18 or older and possess eligible U.S.-issued cards, though the wallet only works in dots conversations rather than ordinary ChatGPT chats. When a dot browses a site, the customer must review the order and approve the payment using a security check like Face ID or a fingerprint. The card network then creates a payment token with substitute card details to complete the checkout. Mastercard’s global head of digital commercialization, Sherri Haymond, said an agent making a purchase should "strengthen, not bypass, the trust built into payments." This method allows customers to keep their card rewards and dispute protections, though merchant websites may block shopping agents or flag legitimate Wallet purchases as fraud. This system differs from the September 2025 Stripe integration because agents can now navigate ordinary online stores and use existing checkout forms. Google is also developing a Universal Commerce Protocol that aims to connect shopping agents with retailers, payment providers, and post-purchase services across Google products.

Comparison with crypto-based wallets

The ChatGPT Wallet provides familiar card payments instead of a digital asset balance like the tools from Coinbase or Circle. Coinbase launched Agentic Wallets in February to let software spend USDC or trade tokens within preset limits. Erik Reppel, a Coinbase engineering executive, told Decrypt that the product is a "purpose-built wallet to work with an agent as quickly as possible." Coinbase also uses an x402 protocol that lets software pay for data or computing services as part of a web request. Circle released its Agent Stack in May to allow payments as small as $0.000001. Nikhil Chandhok, the product chief at Circle, said USDC is "uniquely well-suited for the agentic economy because it is internet-native, programmable, and always available." However, actual agent-driven demand remains difficult to measure. TRM Labs estimated in September that agents accounted for only 0.6% to 7.5% of filtered x402 commerce by value.