OpenAI has unveiled a new feature that allows AI agents to make purchases on behalf of users directly within ChatGPT. This service is made possible through partnerships with American Express, Mastercard, and Visa, enabling transactions via existing payment networks.
The wallet feature lets users authorize transactions using biometric verification, such as facial recognition or fingerprints. Payment networks generate tokenized card credentials for each approved purchase, ensuring that users’ actual card details remain secure from merchants and AI agents. The service is currently rolling out to ChatGPT Pro subscribers in the US with eligible cards issued in the country.
OpenAI plans to expand the service to support purchases within preset spending limits and other restrictions, reducing the need for user approval for each transaction. The launch reflects a broader trend in the AI industry, as companies seek to move beyond product recommendations to executing transactions, potentially reshaping consumer interactions with online merchants.
OpenAI is collaborating with payment processors and fraud prevention firms to integrate AI purchases into existing checkout systems. The company joins a growing field of firms developing payment systems for AI agents, including Google, Visa, and Mastercard, which have launched similar initiatives.
Crypto companies are also entering the space, with Coinbase introducing its x402 protocol in 2025 for autonomous stablecoin payments, and Circle launching its Agent Stack in May to allow agents to hold and spend USDC within predefined limits. Crossmint is combining stablecoin wallets with traditional card networks.
According to an April report from Juniper Research, the global value of agentic commerce transactions is expected to reach $1.5 trillion by 2030, up from an estimated $8 billion in 2026.