Published Nov 13, 2026
OpenAI has rolled out a fresh payment wallet enabling artificial intelligence agents to finalize transactions utilizing standard card systems, with future objectives to incorporate preauthorized payments.
On Friday, OpenAI unveiled a brand-new feature that permits AI agents to purchase items on behalf of consumers straight inside ChatGPT via traditional payment infrastructures, partnering alongside American Express, Mastercard, and Visa.
The digital wallet allows individuals to confirm payments utilizing biometric checks, like fingerprint scanning or facial recognition. The payment networks create tokenized card credentials for each authorized checkout, shielding users’ actual credit card information from both the artificial intelligence agents and the merchants, the firm stated.
This service is currently being deployed to ChatGPT Pro users located in the United States who possess qualifying cards issued domestically. OpenAI mentioned that it intends to eventually facilitate acquisitions inside predetermined financial boundaries and additional controls without demanding manual confirmation for every single transaction.
This rollout arrives as artificial intelligence organizations try to transition past mere product recommendations into executing actual purchases, potentially reshaping how buyers engage with internet vendors. OpenAI noted that it is collaborating with fraud detection agencies and payment processors to support AI-driven buying through current checkout frameworks.
OpenAI joins an expanding landscape of enterprises building payment frameworks for artificial intelligence agents. Google launched its Agent Payments Protocol back in 2025, while Mastercard and Visa have both established programs to accommodate AI-executed transactions.
Blockchain enterprises are likewise constructing payment architecture for artificial intelligence agents. Coinbase revealed its x402 protocol in 2025, facilitating automated stablecoin settlements for online utilities, whereas Circle released its Agent Stack during May, permitting agents to hold and spend USDC within preset constraints. Crossmint, a provider of stablecoin infrastructure, has adopted a different strategy by merging stablecoin wallets with legacy card architectures.
The global transactional volume for agentic commerce is projected to hit $1.5 trillion by the year 2030, according to an April report published by Juniper Research, growing from an anticipated $8 billion in 2026.
Originally published at https://cointelegraph.com/news/openai-ai-payments-chatgpt-wallet-visa-mastercard-amex?utm_source=rss_feed&utm_medium=rss&utm_campaign=rss_partner_inbound.
