OpenAI在2026年11月13日推出ChatGPT Wallet，让智能体可以在用户批准后完成付款，并且拿不到用户的真实卡号。它与美国运通、万事达和Visa合作，先在dots里向美国的ChatGPT Pro用户开放。

官方的说法是：这是首个让智能体付钱时接触不到用户真实卡信息、同时又要求每笔购买都做安全验证的钱包，而且在符合条件的争议里，用户仍可保留原卡的奖励和保护。OpenAI还写，他们同时在发布工具和指南，帮助商家接待使用智能体的顾客。

ChatGPT每周有12亿人使用，这是OpenAI自己给出的数字。官方写，其中很多人已经在用它查产品、比较选项、决定买什么。ChatGPT Wallet要做的，是让这些人把购买也走完，并给智能体一种商家可以用现有系统接受的付款方式。

要收下这张钱包的付款，网站需要避免误拦智能体，支付和风控系统也需要认出这是用户批准过的正当购买。官方说，目前先做有限开放，面向ChatGPT Pro用户，以便从真实使用里学习，并和商家、银行、支付网络一起改进兼容性和可靠性。

每笔购买都要用户先看过，再做安全验证

用户把卡添加一次之后，智能体可以代为付款，但不必反复填写支付信息。每次购买前，用户要先核对商品、总价和选用的卡，再用Face ID或指纹一类安全验证来批准。每一次批准，都会留下一笔清楚的授权记录。

用户批准之后，支付网络会提供一枚支付令牌，也就是一套替代真实卡信息的卡号、安全码和有效期。款项仍记在用户选定的那张卡上，但ChatGPT Wallet不会把真实卡信息交给商家或智能体。

OpenAI写，他们希望把这种由智能体发起的交易，嵌进现有的支付体系里。用户与商家直接交易，商家仍保有客户关系，并继续负责定价、履约、退货和客服。符合条件的争议，例如商品有缺陷，用户仍可使用原卡已有的奖励和保护。银行和网络则继续参与交易评估。

再往后，官方预期用户可以把购买更完整地交给智能体，例如先设好消费限额、购买类别或时间范围，并在今天这套保护之上再加预先批准，包括生物识别和清楚的授权记录。这是对后续能力的展望，不是现在已经提供的功能。

美国运通全球创新主管、执行副总裁Luke Gebb说，与OpenAI合作，是把美国运通支付里的信任、安全和掌控，带进新的AI购物体验。他把ChatGPT Wallet称为美国运通首个Agentic Commerce Experiences集成，让符合条件的持卡人在审阅并批准每笔购买的同时使用Amex卡。他还说，他们希望从早期阶段一起学习，再逐步开放给更多持卡人。

万事达国际数字商业化全球主管、执行副总裁Sherri Haymond说，智能体下单应当加强支付体系里已经建立的信任，不能把它绕开。她把这次合作写成，把万事达在支付和安全上的经验带到ChatGPT Wallet，帮助把用户批准过的购买，接到商家和银行已经在用的系统上。

Visa全球增长负责人Rubail Birwadker说，要把智能体商务做起来，消费者、商家和银行都需要信任这个过程。Visa与OpenAI合作，是把Visa现有的基础设施接到这一体验里，帮助把用户批准过的购买连到商家已经在用的系统。

官方演示里，一笔66.30美元的订单要先点批准

官方配套了一段约45秒、没有旁白也没有配乐的演示视频。画面先打出Introducing ChatGPT Wallet，随后进入一个手机对话界面。顶部的自定义GPT名叫Rufus，头像是橙色的狗脸，状态栏时间是2:42。

用户在橙色气泡里说，想在节日前给朋友Amelia找一份礼物，她喜欢做饭、做陶艺，也爱植物，预算大约100美元。Rufus回复，会按大约100美元去找一份能把这些兴趣连起来的节日礼物，并且不会去猜她已经有哪些陶艺工具。

随后出现一个盆栽香草礼盒的图片。Rufus推荐Guest & Ribbon的Culinary Herbs Gift Box，税前59.97美元，页面显示有货，并提供美国免费配送。盒子里有五种烹饪香草，包括罗勒、鼠尾草和百里香，可以先在套件里培育，之后移到她自己做的陶盆里。Rufus还建议夹进一份用户自己喜欢、会用到其中一种香草的手写食谱，让礼物更像是用户送的，也不必把100美元花满。

用户说这个主意很好，就这么办。Rufus问，要不要先寄到用户手里，好把食谱放进去。用户答应后，Rufus说会使用已保存的配送信息，并在付款前核对最终总价，接着要发出这笔Guest & Ribbon订单、金额66.30美元的安全批准。对话里出现一个带锁形图标的按钮，写着Review purchase。

用户点进去后，底部滑出一张结账面板，自上而下是金额66.30美元、商家Guest & Ribbon、商品Culinary Herbs Gift Box、带日历图标的送达日期Nov 24，以及地址里的2026 Grove Lane。支付方式是带Visa标志的Visa Credit，副标题是•••• 4242。主按钮是黑色的Approve，下面有Cancel。用户点批准后，按钮里出现加载转圈，随后弹出绿色圆圈和白色对勾，面板再滑走。

回到对话后，先出现Finishing checkout的状态，Rufus说付款已批准，正在完成结账，随后状态变成Purchase completed。最后的确认是：已经用尾号4242的Visa，从Guest & Ribbon订下Amelia的香草礼盒，金额66.30美元，按标准配送寄到用户在西雅图的地址，预计11月24日送达。订单号是804172839301。视频里还写了一句说明：收据上的尾号可能不同，因为使用了虚拟卡来保护真实卡信息。

这段视频是产品演示，不是一笔经过核验的真实交易。演示里的商家、地址、卡号尾号和订单号，都应看作官方设计的示例。片尾是白底上的蓝色小点和OpenAI字样。

商家仍用现有网站收款，但风控可能误拦

OpenAI写，智能体商务仍处于早期。随着智能体开始承担更多购物和购买任务，许多网站和支付系统还在适应这种方式。有些网站可能会无意中拦住ChatGPT Wallet或其他智能体支付产品，官方说他们会帮助商家完成这一转变。

与ChatGPT Wallet一起，OpenAI发布了Commerce Partner Playbook，给商家一套工具和实务说明，帮助他们在现有网站和系统里接待使用智能体的顾客。说明覆盖如何提供商品信息、如何保证智能体能够访问，以及如何与支付和风控服务商合作，减少对正当交易的误拒。面向商家的概览页发布在OpenAI的Commerce文档里。

商家可以先做和自己顾客最相关的部分。要让顾客找到准确的商品信息，可以在ChatGPT里认领自己的商家，通过验证后更新资料，并上传带有当前价格和库存的商品源。要让ChatGPT智能体访问网站，需要把CDN或防火墙配成能够识别使用Web Bot Auth签名的请求，并确认常规安全措施没有误拦这些智能体。用浏览器访问并不要求插件或商品源。

支付令牌可以走现有结账流程，但风控系统仍可能把智能体完成的正当购买标成风险，从而导致拒付或取消。商家可以和自己的服务商确认，这些交易会怎样被识别。OpenAI还写，他们正在与欺诈防范合作方Forter、Riskified、Sardine和Signifyd，以及支付服务商Adyen、Checkout.com和Stripe合作，帮助这些系统认出智能体完成的正当购买。

商家也可以做插件，让智能体通过现有系统查询库存、管理购物车，或执行其他操作。网站还可以添加WebMCP工具。

ChatGPT Wallet当天开始在dots里推出，让用户可以让自己的dot代为完成购买。初期面向年满18岁、身处美国、持有合格美国发卡的ChatGPT Pro订阅用户。官方说，接下来会与商家、银行和支付网络一起，从早期使用中学习并扩大开放范围。

Introducing ChatGPT Wallet

November 13, 2026

Building trusted agentic payments with networks, banks, and businesses.

We're introducing ChatGPT Wallet, setting a new bar for secure payments by agents. It's the first wallet that lets agents pay without access to users' actual card details and that requires a security check for every purchase, while also preserving existing card rewards and protections for eligible disputes. Built in partnership with American Express, Mastercard, and Visa, ChatGPT Wallet will initially be available through dots for ChatGPT Pro subscribers in the US. Alongside ChatGPT Wallet, we're releasing tools and guidance to help businesses support customers using agents.

1.2B people use ChatGPT each week, and many of them turn to it to research products, compare options, and decide what to buy. With ChatGPT Wallet, we're now helping people complete purchases, and giving their agents a way to pay that businesses can accept with their existing systems.

To accept payment from ChatGPT Wallet, websites need to ensure agents are not inadvertently blocked, and payment and risk systems need to recognize legitimate purchases made by agents. We're starting with limited availability to ChatGPT Pro users, so we can learn from real-world use and work with businesses, banks, and payment networks to improve compatibility and reliability.

How a purchase works

ChatGPT Wallet gives agents a secure way to pay on a user's behalf. Users add a card once, then approve each purchase without re-entering their payment details.

Before each purchase, the user reviews the items, total, and selected card, then approves it with a security check such as Face ID or a fingerprint scan. Each approval creates a clear record of the purchase the user authorized the agent to make.

After the user approves, the payment network provides a payment token, a substitute for the user's actual card details, with a card number, security code, and expiration date. The payment is charged to their selected card without ChatGPT Wallet sharing their actual card details with the business or the agent.

We're building agent-led commerce to fit reliably into existing systems. Users keep their card's existing rewards and protections for eligible disputes with businesses, for example when an item is defective. Banks and networks bring their expertise to evaluating transactions. Users transact directly with businesses, which keep their customer relationships and control over pricing, fulfillment, returns, and customer service.

Over time, we expect users to be able to delegate purchases entirely to their agent by setting clear parameters, such as spending limits, purchase categories, or time periods, and pre-approve those purchases with enhanced safeguards that build on today's protections, including biometric checks and clear records of authorization.

"Working with OpenAI, we're bringing the trust, security and control of American Express payments into new AI-powered shopping experiences. ChatGPT Wallet marks our first American Express Agentic Commerce Experiences integration, enabling eligible Card Members to use their Amex Card while reviewing and approving each purchase. We're excited to learn together from this early phase and build toward bringing these experiences to more Card Members over time."

Luke Gebb, EVP and Head of Global Innovation, American Express

"An agent making a purchase should strengthen, not bypass, the trust built into payments. Our collaboration with OpenAI brings Mastercard's payments and security expertise to ChatGPT Wallet, helping connect user-approved purchases with the systems businesses and banks already use. Working together across the industry is how we turn the promise of agentic commerce into experiences people and businesses can trust."

Sherri Haymond, EVP, Global Head of Digital Commercialization, Mastercard

"To deliver on the promise of agentic commerce, consumers, businesses and banks all need to trust the process. We're partnering with OpenAI to bring Visa's trusted infrastructure to the experience, helping connect user-approved purchases with the systems businesses already use."

Rubail Birwadker, Head of Global Growth, Visa

Equipping businesses for agentic commerce

Agentic commerce is still in its early days. As agents begin to take on more shopping and purchasing tasks, many websites and payment systems are still adapting to this modality. Some sites may unintentionally block purchases through ChatGPT Wallet or other agentic payment products, and we are focused on helping businesses make that transition.

Alongside ChatGPT Wallet, we're publishing a Commerce Partner Playbook with tools and practical guidance to help businesses support customers using agents through their existing websites and systems. It covers making product information available, ensuring agent access, and working with payment and risk providers to reduce unnecessary declines. The playbook overview is at https://developers.openai.com/commerce/guides/overview. Businesses can start with the areas most relevant to their customers:

• Help customers find accurate product information. Claim your business in ChatGPT and, once verified, update your business details and upload a product feed with current pricing and availability.
• Ensure ChatGPT agents can access your website. Configure your CDN or firewall to recognize signed requests using Web Bot Auth and confirm your general site security measures are not inadvertently blocking ChatGPT agents. Browser access does not require a plugin or product feed.
• Work with your payments and risk providers to support agent purchases. Wallet's payment tokens work with existing checkout flows, but risk systems may still flag legitimate purchases made by agents, leading to declines or cancellations. You can work with your providers to understand how they recognize these transactions. We're also working with fraud prevention partners including Forter, Riskified, Sardine and Signifyd and payment service providers including Adyen, Checkout.com, and Stripe to help their systems recognize legitimate purchases made by agents.
• Give agents more ways to work with your business. Build a plugin to let agents check availability, manage carts, or take other actions through your existing systems. Websites can also add WebMCP tools.

Availability

ChatGPT Wallet begins rolling out today in dots, enabling users to have their dot complete purchases on their behalf. It will initially be available to ChatGPT Pro subscribers aged 18 and older in the US with eligible US-issued cards. We'll work with businesses, banks, and payment networks to learn from early use and expand availability, helping more customers and businesses benefit from agentic commerce.

Official announcement post on X

@ChatGPT, 13 November 2026, 16:44 UTC, https://x.com/ChatGPT/status/2121283151729496235

Now your dot can securely complete purchases on your behalf, with your approval.

With ChatGPT Wallet, agents pay without access to your actual card details. Every purchase requires a security check.

ChatGPT Wallet is rolling out starting today to dots, for Pro subscribers in the US.

https://openai.com/index/introducing-chatgpt-wallet/

The official launch video attached to that post is silent (no narration, music, or sound effects) and is a product demonstration, not a verified live transaction.