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ChatGPT Wallet

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Intro

ChatGPT Wallet is the agent payment wallet OpenAI formally introduced on 13 November 2026. The official post Introducing ChatGPT Wallet describes it as the first wallet that lets agents pay without access to users’ actual card details and that requires a security check for every purchase, while preserving existing card rewards and protections for eligible disputes. It is built with American Express, Mastercard, and Visa, and first becomes available through dots for ChatGPT Pro subscribers in the US.

OpenAI’s purchase flow is: a user adds a card once, then before each purchase reviews the items, total, and selected card and approves with a security check such as Face ID or a fingerprint. After approval, the payment network issues a payment token — a substitute number, security code, and expiration date — and the charge goes to the selected card without sharing the actual card details with the business or the agent. Users still transact directly with businesses, which keep pricing, fulfillment, returns, and customer service. OpenAI also says it later expects users to pre-approve some purchases within spending limits, categories, or time windows; the current launch still requires a check on every purchase.

Alongside the wallet, OpenAI published a Commerce Partner Playbook with guidance for businesses on agent access (including recognizing requests signed with Web Bot Auth), product information, and working with risk and payment providers so legitimate agent purchases are not declined by mistake. The Help Center article Making purchases with ChatGPT Wallet adds availability limits: Wallet works in conversations with a dot, and Pro users should set up a dot first; it is not available in Chat, Work, or standalone Codex threads; approving a purchase requires biometric verification on a supported device; and it is for users aged 18 or older who live in the United States, have a US billing address, and hold an eligible US-issued American Express, Chase, Mastercard, or Visa card.

CNBC reported the same launch at 10:00 AM EST on 13 November 2026 (23:00 Beijing time). This site’s openai.com sitemap also added the official post in the current window. The previous 16:32 scan had only seen policy or terms pages on openai.com, with no dated official product launch, so the name was not stored then.

Key points:

Explain

Why it matters

This is a product OpenAI named on its official site on 13 November 2026, not an unnamed feature update to the earlier dots agents. The official post says the wallet begins rolling out in dots today; CNBC’s 10:00 AM EST stamp (23:00 Beijing time) falls inside this 20:32–00:32 scan window, and the openai.com sitemap first showed this post in the same window. The previous 16:32 scan had only seen terms pages, so the name was not stored then.

This page only restates OpenAI’s official post, the Help Center article, and CNBC. Claims about payment tokens, biometric approval, retained card rewards, and the initial audience come from those sources. This page does not independently evaluate the product.

Limits

The public record does not give a worldwide rollout timetable, a complete list of eligible issuers, or success-rate data after merchants connect. Do not describe ChatGPT Wallet as already available to every ChatGPT user or every country, and do not treat it as the same product as ChatGPT Dots, which was stored on 29 September 2026 — Wallet is a payment capability on top of dots, and the current launch still requires approval for every purchase.

Usage

  1. Read the official post at https://openai.com/index/introducing-chatgpt-wallet , and cross-check the Help Center at https://help.openai.com/en/articles/20001654-making-purchases-with-chatgpt-wallet and CNBC at https://www.cnbc.com/2026/11/13/openai-chatgpt-wallet-dot-purchases.html ;
  2. Per OpenAI, the capability is rolling out through dots to ChatGPT Pro subscribers in the US who are 18 or older and hold an eligible US-issued card; set up a dot first, and do not expect it in Chat, Work, or standalone Codex threads;
  3. When citing payment tokens, per-purchase biometric approval, retained rewards and dispute protections, or later pre-authorization, attribute them to the 13 November 2026 official post or Help Center and recheck the upstream source;
  4. Do not describe ChatGPT Wallet as already available to every user or every region, and do not describe it as ChatGPT Dots itself; this page only restates public materials — recheck the upstream sources before citing them externally.

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