ChatGPT wants your credit card. On Friday, OpenAI announced ChatGPT Wallet, a new feature that will allow the company’s AI agent “dots” to make purchases on a user’s behalf—which is something that neither businesses nor consumers seem particularly excited about.
According to OpenAI, ChatGPT Wallet was made in partnership with American Express, Mastercard, and Visa and will set “a new bar for secure payments by agents.” The feature will let users add a card to their wallet, enabling their agent to make purchases on their behalf without requiring them to re-enter payment details.
Users will still have to approve each purchase, including reviewing each item and making sure the correct card was selected, and then complete a security check, such as Face ID or a fingerprint scan, to authorize the payment. Once approved, the payment network creates a payment token that allows the transaction to go through without sharing the specific card details with the business or the agent. The company also said that users will keep their card’s existing rewards and protections.
If that sounds to you like pretty much every other digital payment method out there, well… yeah, you’re not wrong. Tokenization is the default these days for digital payment tools like Apple Wallet or Google Wallet.
