OpenAI has teamed up with major credit card companies to introduce an online digital wallet designed to enable AI agents to handle payments on behalf of users.

On the 13th (local time), OpenAI announced the launch of "ChatGPT Wallet," a virtual wallet built specifically for AI agents. Developed in collaboration with three major card networks—Visa, Mastercard, and American Express—the service will initially roll out to U.S. subscribers aged 18 and older who use the "Pro" tier (priced at $100 or more per month).

The tool allows the AI agent "Dots" to conduct transactions, such as purchasing items, while ensuring that the user’s actual financial information remains secure and hidden from external parties. To prevent unauthorized or accidental purchases, users are required to give final authorization via fingerprint or facial recognition for every transaction. Alongside the wallet, OpenAI released a set of guidelines to help online retailers seamlessly accommodate AI agent access and automated purchases.

Card industry executives have responded positively to the initiative. Sherry Haymond, Executive Vice President at Mastercard, emphasized, "Through industry-wide collaboration, we can bring the full potential of agent-driven commerce to life as a trusted experience for both individuals and enterprises."

However, whether OpenAI can achieve significant traction in the e-commerce sector remains to be seen, particularly as some major players—such as Amazon, which blocks external AI agents, and United Airlines, which has restricted agent access to its website—continue to push back against automated web traffic.

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