OpenAI has clarified that the newly introduced ChatGPT Wallet will never share your actual credit card information with its AI agents. This feature follows the launch of the Dots AI agents platform earlier this year.
The ChatGPT Wallet is rolling out today for eligible ChatGPT Pro subscribers in the United States who are aged 18 and older. To use the service, users must have a US billing address and provide an eligible US-issued American Express, Chase, Mastercard, or Visa card.
Once a card is added, the Dots agents can utilize it to complete purchases based on user prompts. However, before any transaction is finalized, the user must authorize it through a mandatory security check that includes biometric verification, such as Face ID or a fingerprint scan.
OpenAI ensures that your actual card details are never exposed to the Dots agent or the merchant. This process functions similarly to Apple Pay or Google Wallet, substituting your sensitive credit card information with a secure payment token.
Looking ahead, OpenAI intends to expand the capability so users can completely delegate purchases to agents by defining specific parameters, such as spending limits or timeframes. Currently, however, the wallet may not be compatible with every retailer, as some businesses have restrictions or block AI agents entirely. OpenAI emphasizes that for agents to utilize this wallet successfully, websites must ensure they are not inadvertently blocked and payment systems must recognize these legitimate agent-initiated transactions.
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