OpenAI launches AI payments in ChatGPT with Visa, Mastercard and Amex
OpenAI has introduced a new payment wallet allowing AI agents to make purchases on behalf of users through existing card networks, collaborating with American Express, Mastercard and Visa.
The wallet lets users authorize transactions using biometric verification, such as facial recognition or fingerprints. Payment networks generate tokenized card credentials for each approved purchase, keeping users' actual card details from merchants and AI agents.
Rollout and Future Plans
The service is being rolled out to ChatGPT Pro subscribers in the US with eligible cards issued in the country. OpenAI said it plans to eventually support purchases within preset spending limits and other restrictions without requiring approval for each transaction.
Competitive Landscape
OpenAI joins a growing field of companies developing payment systems for AI agents. Google introduced its Agent Payments Protocol in 2025, while Visa and Mastercard have launched initiatives to support AI-initiated transactions.
Crypto companies are also developing payment infrastructure for AI agents. Coinbase introduced its x402 protocol in 2025, enabling autonomous stablecoin payments for digital services, while Circle launched its Agent Stack in May, allowing agents to hold and spend USDC within predefined limits.
Market Projections
Global agentic commerce transaction value is expected to reach $1.5 trillion by 2030, according to an April report from Juniper Research, up from an estimated $8 billion in 2026.
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