For users over 18: OpenAI enables ChatGPT Wallet purchases through dot
Key Facts
The ChatGPT Wallet terms took effect on November 12, 2026, allowing eligible users to save a payment card and use its details to make purchases from a merchant through the dot assistant, according to OpenAI’s terms and help page. The service is available to Pro subscribers residing in the United States who are 18 years old or older, have a U.S. billing address and hold an eligible card issued in the United States. This places geographic and eligibility restrictions on the current rollout, as the service does not cover all ChatGPT users or all cards. OpenAI says users can ask dot to complete a purchase, but the transaction requires user approval under the wallet’s specified process. The company presents the tool as a way to use a saved card to make a purchase, while availability details remain tied to user and card eligibility.
The cards OpenAI names include American Express, Chase, Mastercard and Visa, with Chase card users required to be the primary cardholder. Before submitting an order, users must review and approve it, or grant ChatGPT permission to approve each transaction in advance. The approval process requires biometric verification on a supported device, according to the wallet terms and help page. A verification and approval step therefore remains linked to the purchase, whether the user completes it for each order or has authorized ChatGPT to do so in advance. The available sources do not specify limits on the value or number of purchases, so the published terms described here are limited to user and card eligibility and the approval method.
After the user approves, the wallet creates a payment token that replaces the actual card details and includes a card number, security code and expiration date for use in payment. OpenAI says the actual card details are not shared with the merchant or agent. The company also says the service provider collects the card number, expiration date, security code, billing address and other verification data, while OpenAI receives tokenized payment credentials and limited details. OpenAI says it does not receive the full card number or security code. The token mechanism represents the layer of separation the company describes between saved card details and the parties that receive information needed to complete the transaction.
OpenAI’s terms stress that the wallet does not create a bank account or stored balance, provide credit or transfer funds. It is also separate from the payment method used for a ChatGPT subscription and from gift balances or prepaid balances, according to the help page. The service therefore links an eligible card to purchases; it does not involve depositing money into an account with OpenAI or funding a prepaid balance. The company says the payment data it receives is tokenized and limited, while also noting that the service provider collects card, billing and verification data. The wallet works in conversations with dot and is unavailable in Chat or Work conversations or standalone Codex threads.
The wallet is part of OpenAI’s expansion of dot’s functions. The company says it has begun rolling out dot through Pro, Business Premium and Enterprise plans in eligible markets, with a plan to make it available to more users. In March 2026, OpenAI said product discovery updates were being rolled out to users on Free, Go, Plus and Pro plans, and said it would continue investing in the area. The company said at the time that its initial instant-checkout version did not give merchants the flexibility they needed, so it allowed them to use their own checkout experiences while focusing on product discovery. OpenAI says the merchant remains the seller and merchant of record for the transaction, decides whether to accept or reject the order and fulfills it, while ChatGPT passes order information through its commerce protocol. The company also describes the protocol as a potential foundation for broader experiences involving personalization, local product availability and delivery estimates, without specifying in its published information when the payment wallet itself will expand.