OpenAI Enters AI Payments Race Against Google, Coinbase and…
By Abdelaziz Fathi
AI summary of the source article
OpenAI launched ChatGPT Wallet on November 13, 2026, developed with Visa, Mastercard, and American Express. The service allows AI agents to execute purchases for eligible US ChatGPT Pro subscribers using tokenized card credentials.
Why it matters
OpenAI's decision to use existing payment networks reduces the need for merchants to adopt entirely new settlement infrastructure, while creating another potential source of card payment volume for card networks without fundamentally changing their processing models.
Key facts
- OpenAI launched ChatGPT Wallet on November 13, 2026, in partnership with American Express, Mastercard, and Visa.
- The wallet uses biometric authentication and tokenized credentials to hide card details from merchants and AI agents.
- The service is initially available to eligible US-based ChatGPT Pro subscribers aged 18 or older.
Source excerpt · FinanceFeeds
OpenAI Launches ChatGPT Wallet With Visa, Mastercard and Amex OpenAI launched ChatGPT Wallet on November 13, 2026, allowing AI agents to complete purchases on behalf of users through existing card payment networks. Developed with American Express, Mastercard and Visa, the service initially targets US ChatGPT Pro subscribers and introduces tokenized payment credentials designed to keep customers' a…