The new payment tool lets users store card details once and direct artificial intelligence agents to locate products and finalize transactions following an authorization check. To protect consumer security, the underlying system uses transaction-specific tokens so automated agents never handle actual card numbers directly. The functionality is currently restricted to adult OpenAI Pro subscribers located within the United States. During this phase, OpenAI is waiving transaction fees to prioritize merchant relationships and payment network adoption.
Key points
Rollout of the payment tool is initially limited to adult OpenAI Pro subscribers within t…: Rollout of the payment tool is initially limited to adult OpenAI Pro subscribers within the United States.
Users must clear an authorization security check before any purchase is finalized by the…: Users must clear an authorization security check before any purchase is finalized by the automated agents.
Merchant opposition poses an obstacle to adoption, with Amazon and United Airlines active…: Merchant opposition poses an obstacle to adoption, with Amazon and United Airlines actively blocking automated agents from their platforms.
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OpenAI on Friday announced ChatGPT Wallet, a new payment feature that enables its "dots" artificial intelligence agents to make purchases on behalf of users.
The company built ChatGPT Wallet in partnership with American Express, Mastercard and Visa, and it allows cardholders to maintain their existing credit card rewards and protections. Eligible users enter their card information once, prompt their dot to find items to buy and approve each purchase with a security check.
OpenAI said its dots agents will never actually access a user's card details. Instead, their payment networks will provide the dot with a "payment token," which contains a scoped card number, security code and expiration date that is specific to a given transaction.
"Our goal here is to really focus on merchants and our network partners and start building out a really great foundation that's safe and easy to use," Chaya Nayak, who leads product for monetization and payments at OpenAI, told CNBC in an interview.
ChatGPT Wallet comes as a growing number of consumers are exploring how to use personal AI agents to manage their calendars,…
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