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OpenAI’s dots agents can now buy things for users through ChatGPT Wallet, with biometric approval per purchase.
- Users save a debit or credit card once, and the agent pays with a token that replaces the real card number. - That keeps card details away from both the merchant and the agent, while cardholders keep their existing rewards and protections. - American Express, Mastercard and Visa built the system with OpenAI, which also released guidance for merchants that want to accept agent payments. - Access starts narrow, limited to US Pro subscribers aged 18 or older with eligible US-issued cards. - OpenAI plans to let users delegate purchases entirely later, setting spending limits and categories instead of approving each one. - Merchants could still stall that shift, since OpenAI warns some websites and fraud systems may block purchases made by agents. - Instant Checkout, OpenAI’s earlier attempt, needed brands to supply updated inventory, and after it was shelved in March, purchases moved into brand-built plug-in apps. - The wallet needs neither, since the agent pays on a store’s ordinary checkout page, provided the site lets bots in. Many sites don’t: United Airlines started blocking agents on Wednesday, joining Amazon and eBay in guarding customer data and ad revenue.
So the wallet’s reach will depend on merchants agreeing to allowlist OpenAI’s agents and teach fraud systems to accept legitimate bot purchases. https://t.co/DEtjJXt7s1