After you add a card to the wallet, your Dots agents can use it to buy things in response to your prompts, but they will contact you each time before you pay. The OpenAI support page says that every purchase with ChatGPT Wallet requires a security check with biometric verification such as Face ID or a fingerprint scan.
After the AI agent reviews your purchase and approves it, OpenAI says that, similar to using tap to pay, Apple Pay, or Google Wallet, it replaces your credit card details with a payment token, so your actual card information isn’t shared with your Dots agent or the business you’re purchasing from. Over time, OpenAI says it hopes that “users will be able to fully delegate purchases to their agent by setting clear parameters, such as spending limits, purchase categories, or time periods, and pre-approve those purchases.”
ChatGPT Wallet may not work everywhere. Some retailers place restrictions on AI agents or block them entirely. Earlier this year, Amazon blocked Muse agents from Meta. OpenAI says that for agents to use ChatGPT Wallet, “websites must ensure that agents are not inadvertently blocked, and payment and risk systems must recognize legitimate purchases made by agents.”
