How to Set Up and Use ChatGPT Wallet for Agent Purchases

OpenAI launched ChatGPT Wallet on 13 November 2026. It lets ChatGPT Pro subscribers in the United States use dots agents to complete purchases without sharing actual card details. Every transaction requires your review and a biometric approval.

This guide walks through eligibility, adding a card, making a purchase, and what to watch for during the early rollout.

Check eligibility and prepare your account

ChatGPT Wallet is rolling out gradually to ChatGPT Pro subscribers who are 18 or older, live in the United States, and use a US-issued American Express, Chase, Mastercard, or Visa card. You need an active Pro subscription and must access the feature through a dots agent conversation, not the regular Chat interface.

Confirm your Pro status in the ChatGPT app or on chatgpt.com. Update the mobile app if you use iOS or Android. The feature is not yet available in Work accounts or standalone Codex threads.

If Wallet does not appear yet, wait. OpenAI is expanding access in stages. You can still prepare by reviewing the official terms and privacy notice linked from the setup flow.

For related agent capabilities on other platforms, see our guide to multi-step browser tasks with agents.

Add a card to ChatGPT Wallet

You can add a card in two ways. Both lead to a secure form that never appears inside the chat itself.

Through your dots agent

1. Start a conversation with your dot.
2. Ask: “Help me add a card to Wallet.”
3. Open the secure setup link or request that appears in the conversation.
4. Enter the card number, expiration date, and security code on the form. For American Express, use the four-digit code on the front.
5. Review the ChatGPT Wallet terms and privacy notice, then select Add card.
6. Complete any bank verification step your issuer requires. This may involve a code or approval in your bank app.
7. Wait for the confirmation that the card is added.

Through Settings

1. Open the ChatGPT mobile app.
2. Go to Settings in the left navigation.
3. Select Wallet.
4. Choose Add Card and follow the same secure form.

Never paste card numbers, security codes, or verification codes into a chat message. The secure form is the only place to enter them. If you are unsure the card saved, ask your dot to show your saved cards before adding it again.

Your bank may place a temporary verification authorization. This is not a real charge and is reversed after verification.

How a purchase works

Once a card is saved, ask your dot to handle a shopping task. Examples include “Help me find a new sweater” or “Book me a hotel for my trip to Chicago next weekend.”

The agent researches options, fills a cart, and prepares the order. Before any payment occurs, you see:

• The merchant
• Items or services and quantity
• Total price or maximum price, including known taxes, fees, and shipping
• The selected card
• Whether the purchase creates a recurring charge or authorization hold

Review these details carefully. AI systems can make mistakes. Approve only if everything is correct and you want the merchant to receive the order.

Approve with a security check such as Face ID or a fingerprint scan on a supported device. This creates a clear record of the purchase you authorized.

After approval, the payment network generates a payment token. The token is a substitute card number, security code, and expiration date used only for that transaction. Neither the dots agent nor the merchant receives your actual card details. Existing card rewards and eligible dispute protections remain in place. You transact directly with the business, which keeps control of pricing, fulfillment, returns, and customer service.

Tips for the early rollout

Not every website supports agent checkouts yet. Some merchants block automated access or restrict agent purchases. OpenAI notes that websites need to allow signed agent requests and that payment systems must recognize legitimate agent transactions. If a checkout fails, try a different merchant or complete the purchase yourself.

Start with small, low-risk orders while you learn the flow. Check the live transcript or summary your dot provides so you understand what it selected.

Later, OpenAI expects users to set spending limits, purchase categories, or time periods and pre-approve certain purchases under enhanced safeguards. That option is not available in the initial release. Every purchase still requires your explicit biometric approval.

Monitor your card statements. The temporary verification hold disappears after a short period. Report any unexpected activity to your card issuer and to OpenAI support.

Manage cards and get help

Ask your dot to show saved cards or remove a card when needed. You can also manage them from the Wallet section in Settings. If a bank verification fails, contact your issuer first, then try again.

For problems during setup or a purchase, use the help options inside the ChatGPT app or visit the OpenAI Help Center article on making purchases with ChatGPT Wallet.

Conclusion

ChatGPT Wallet gives dots agents a controlled way to finish purchases while keeping you in the approval loop. Add a card once through the secure form, review every order, and approve with biometrics. The feature is limited to eligible US Pro users at launch and will expand as OpenAI and partners refine the experience.

If Wallet is not visible on your account yet, keep your app updated and check back. When it arrives, the steps above get you from adding a card to completing your first agent-assisted purchase.

Sources

• Introducing ChatGPT Wallet — OpenAI, 13 November 2026
• Making purchases with ChatGPT Wallet — OpenAI Help Center
• ChatGPT Wallet terms — OpenAI