ChatGPT Gets Native Payment Capabilities Through Partnership with Major Credit Card Companies
Through a collaboration with Visa, Mastercard, and American Express, OpenAI has unveiled a payment wallet feature enabling AI agents to execute purchases via established card payment infrastructure, with future plans for preauthorized payment functionality.
On Friday, OpenAI unveiled a feature that enables AI agents to execute purchases for users within ChatGPT through established payment networks, marking a significant partnership with Visa, Mastercard and American Express.
The newly introduced wallet allows users to approve transactions through biometric authentication methods, including fingerprint scanning or facial recognition. For each transaction that receives approval, payment networks create tokenized card credentials, ensuring that users' real card information remains hidden from both merchants and AI agents, according to the company's announcement.
This feature release arrives at a time when artificial intelligence firms are attempting to expand beyond simply recommending products to actually completing transactions, which could fundamentally transform consumer interactions with digital retailers. According to OpenAI, the company is collaborating with fraud prevention companies and payment processors to facilitate AI-driven purchases through current checkout infrastructure.
With this move, OpenAI enters an expanding landscape of businesses building payment solutions designed for AI agents. In 2025, Google unveiled its Agent Payments Protocol, while both Visa and Mastercard have rolled out programs supporting transactions initiated by artificial intelligence.
Payment infrastructure for AI agents is also being developed by cryptocurrency firms. In 2025, Coinbase unveiled its x402 protocol, which enables autonomous payments using stablecoins for digital services, while Circle introduced its Agent Stack in May, giving agents the ability to hold and spend USDC within specified parameters. A different strategy has been adopted by Crossmint, which offers stablecoin infrastructure, by merging stablecoin wallets with conventional card networks.
By 2030, global agentic commerce transaction value is projected to hit $1.5 trillion, according to a report from Juniper Research published in April, representing a dramatic increase from the estimated $8 billion in 2026.