OpenAI Launches Payments Through ChatGPT with Support from Visa, Mastercard, and American Express

OpenAI has introduced a payment wallet in ChatGPT, allowing AI agents to make purchases on behalf of users through existing payment networks. Visa, Mastercard, and American Express are participating in the launch. The feature is available to ChatGPT Pro subscribers in the US using eligible bank cards issued in the country.

How Payments Work Through ChatGPT

Users confirm transactions using biometric verification, such as facial recognition or fingerprint. For each approved purchase, payment networks create separate tokenized card data. According to OpenAI, this prevents the disclosure of actual credentials to sellers and AI agents.

Currently, each transaction requires user approval. However, OpenAI plans to add the ability for automatic purchases within pre-set limits and other restrictions. In this case, the agent will be able to conduct authorized transactions without separate confirmation for each purchase.

The company is also collaborating with payment processors and organizations focused on fraud prevention. Their solutions are expected to facilitate purchases through existing checkout systems.

Companies Developing Payments for AI Agents

OpenAI has joined other companies working on payment infrastructure for AI agents. Google introduced the Agent Payments Protocol in 2025, and Visa and Mastercard have launched their own initiatives to support transactions initiated by such systems.

Similar developments are underway in the cryptocurrency industry. Coinbase introduced the x402 protocol in 2025, which allows for automatic payment of digital services with stablecoins. In May, Circle launched Agent Stack, a solution enabling AI agents to store and spend USDC within set limits. Crossmint uses a combined model that integrates stablecoin wallets with traditional payment networks.

According to an April report by Juniper Research, the transaction volume in the agent commerce sector could reach $1.5 trillion by 2030. For comparison, this figure is estimated at $8 billion in 2026.