Payments: OpenAI launches ChatGPT Wallet - A big win for V/MA agentic tokens?

OpenAI announced its ChatGPT wallet, which lets AI agents initiate payments without exposing users' actual card details while preserving existing card protections for disputes and rewards. Built in partnership with Visa, Mastercard and American Express, it will initially be available through Dots for ChatGPT Pro users in the US aged 18 and over. Eligible users enter card information once, and for each approved purchase the networks provide a payment token. Over time OpenAI expects users to delegate purchases entirely to agents, with clear parameters such as spending and time limits plus records of authorization. Because these are network tokens, the product works with existing checkout flows. The report argues agentic commerce is still in very early days with negligible volumes and that patchwork solutions such as virtual cards are widespread, but network tokens look like the long-term answer. The networks have considerable carrots and sticks, including liability shift, to drive adopti