According to OpenAI, the company announced ChatGPT Wallet payment functionality on Friday, November 13, enabling its AI agent 'dots' to make purchases on behalf of users. Initially available to ChatGPT Pro subscribers in the U.S. aged 18 and above with eligible American-issued payment cards.

Each transaction requires user confirmation via biometric authentication, including Face ID or fingerprint. OpenAI, in partnership with American Express, Mastercard, and Visa, uses tokenized payment codes containing transaction-specific card details, ensuring merchants and the AI agent never access users' actual card information.

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