Overview
ChatGPT Wallet provides a secure way for your dot to pay on your behalf.
ChatGPT Wallet securely stores your card details and allows you to review and approve each transaction before it occurs. After you approve, a payment token—a substitute for your actual card details—with a card number, security code, and expiration date will be generated, allowing the payment to be charged to your card without sharing your actual card details with the business or agent.
Using ChatGPT Wallet, you can ask your dot to “Help me find a new sweater” or “Book me a hotel for my trip to Chicago next weekend.” When it’s time to check out, your dot will prompt you to set up and use Wallet to do so.
Availability
ChatGPT Wallet works in conversations with your dot, and is available for Pro users. Set up a dot before using Wallet. Wallet isn’t available in Chat, Work, or standalone Codex threads. Approving a purchase requires biometric verification, such as Face ID or Touch ID, on a supported device.
Wallet is available for US Pro users with eligible US-issued American Express, Chase, Mastercard and Visa cards. You must be 18 or older, live in the United States, and have a US billing address for your card. To add an eligible Chase card, you must be the primary cardholder, not an authorized user.
Your bank may ask you to verify your card during setup.
Before you begin
Your use of ChatGPT Wallet for credit card transactions and purchases must follow OpenAI’s Usage Policies. Before adding a card, review the ChatGPT Wallet terms and ChatGPT Wallet Privacy Notice.
Cards saved for purchases with ChatGPT Wallet are separate from your ChatGPT subscription payment method and your gift card or prepaid balance. For stored balance, see: Using your ChatGPT balance.
Add a card
Ask your dot to add a card or start from the Wallet section of the Settings page. Both paths lead to a secure form for your card details. If you begin a transaction for the first time, the card enrollment flow should also be presented.
Add a card with your dot
In a conversation with your dot, ask, “Help me add a card to Wallet.”
Open the secure card-setup request or link in the conversation. Then complete the card setup below.
Add a card through the Settings Page
On mobile devices, open the Settings page in the left hand navigation bar.
On that page, select Wallet
Select Add Card and enter your card information
Complete card setup
Enter your card number, expiration date, and security code in the secure form—not in chat. For American Express cards, use the 4-digit security code on the front of the card.
Review the ChatGPT Wallet terms and ChatGPT Wallet Privacy Notice, then select Add card.
Complete bank verification if requested, and wait for Card added before starting a purchase.
If you are not sure whether the card was added, ask to see your saved cards before trying to add it again.
Complete bank verification
Your bank may ask you to verify the card before you can use it. Follow the instructions in the secure setup flow, which may include entering a verification code or approving the connection in your bank’s app. This helps your bank confirm that you’re authorized to use the card. You’ll review and approve purchases separately.
Your bank determines which verification methods you can use. Enter verification codes only in the secure verification form, never in chat or a support message.
Credit cards issued by Chase
Before you begin, install the Chase app on your phone and sign in with biometrics. For an eligible Chase card, follow the setup link to approve the connection in the Chase mobile app. If you’re using a computer, scan the QR code with your phone. After approving in the Chase app, return to Wallet to finish setup.
Approve a purchase
Once you’ve chosen what to buy, ask your dot to complete the purchase. Follow these steps when a purchase request appears.
Check all important purchase details, such as the merchant, items, total, selected card, and any shipping or recurring-payment terms shown.
Select Approve and complete biometric verification, such as Face ID or Touch ID.
If you can’t approve on your current device, follow the link or QR code to continue on a supported device signed in to the same ChatGPT account. If your computer’s lid is closed, open it to use biometric verification, or continue approval on a supported phone.
After you approve, your dot continues checkout and reports the result.
Ready to check out means your approval is complete. It does not confirm that the merchant has placed your order. If the result is unclear, check for a merchant confirmation before trying again.
Review each purchase request carefully, including the total and any recurring-payment terms. If you agree to a recurring or continuous payment plan, the merchant may store the payment credential and charge it again under the terms you agreed to. Contact the merchant to manage or cancel those charges.
After you approve, your dot uses a virtual card number linked to your selected card to complete checkout. The number entered at checkout may differ from the number on your physical card.
If you change your mind before approval, decline the request. To cancel a completed order, contact the merchant.
Manage a saved card
Manage cards with your dot
Ask your dot to show your saved cards. The list includes each card’s nickname, last four digits, and expiration date. To change your default card, ask, “Make the card ending in 1234 my default,” using your card’s last four digits.
Cards saved in Wallet are separate from payment methods saved on a merchant’s website. Check the selected payment method when reviewing a purchase.
To remove a card:
Ask to remove a saved card, identifying it by its last four digits.
Check that the confirmation identifies the right card before you confirm removal.
Ask to see your saved cards again to check that the card was removed.
Once you remove a card, you can’t use it for new Wallet payments unless added back.
Removing the card doesn’t cancel purchases, close the card with your bank, or delete your Wallet data or OpenAI account. To cancel an existing order, request a refund, or manage a recurring charge, contact the merchant.
Get help
Purchases and payments
Choose who to contact based on the issue:
For order status, cancellations, returns, or refunds, contact the merchant using the details on its receipt or website. The merchant handles these requests under its own policy.
For declined, pending, disputed, or unrecognized charges, or bank verification problems, contact your card issuer. Report an unrecognized charge promptly.
For Wallet errors, suspected unauthorized access to your ChatGPT account, or a purchase different from what you approved, contact OpenAI Support.
What to do about fraud
Before approving, make sure you recognize the purchase and trust the seller. If you don’t, decline the request.
For an unrecognized card charge, contact your card issuer promptly using its official app or the number on your card.
If you suspect someone has accessed your OpenAI account, secure the account and report unauthorized activity using How can I report fraud or suspicious activity?.
For a problem with an order you recognize, contact the merchant for returns, cancellations, or refunds; if you believe it was a scam, also tell your card issuer.
Never share your full card number, security code, password, or bank verification codes in a support message.
Contact OpenAI for help with Wallet
For trouble adding or removing a card, opening a payment request, or completing the approval flow, contact OpenAI Support.
Include the app or browser and version, when the problem happened and your time zone, the exact error, and the step that failed. For a checkout issue, include the merchant, amount, currency, and any order reference. Redact sensitive details from screenshots. Do not send full card numbers, security codes, passwords, or verification codes.
FAQ
Why couldn’t I save my card?
Some cards are not supported. For Chase cards, you must also be the primary cardholder. Confirm your card details in the secure form and complete any bank verification needed.
If Add card is disabled, correct any errors shown for the card number, expiration date, or security code in the secure form. If the button stays disabled, a card is unavailable for payments, or a Wallet error persists, contact OpenAI Support with the exact message and device details.
Can I add a virtual card?
Virtual cards are not supported at launch. Add another supported US-issued credit card. This is separate from the virtual card number Wallet uses to complete an approved purchase.
What if my bank locks my card or account during verification?
Stop the verification attempt and contact your bank through its official app or the number on your card. Explain that you were trying to add or verify a card in Wallet, and share the time and exact error. Your bank handles the card or account restriction. For help investigating a Wallet error, contact OpenAI Support. Do not share passwords, full card numbers, or verification codes in chat or a support message.
Can I use Wallet at every store?
Wallet may not be able to complete checkout at every store. If a purchase fails, check for a merchant order confirmation before trying another payment method directly with the store.
Why do I need to approve a purchase after approving card enrollment?
Saving a card and approving a purchase are separate steps. Review each purchase request before approving it. Recurring charges from a merchant follow the payment plan you agreed to with that merchant.
Why am I asked for an address or other contact details?
A merchant may need your name, phone number, email, or billing or delivery address to complete checkout. You may be asked for these details in the conversation. Review what you share, and enter your card number, expiration date, and security code only in the secure card form—not in chat.
Why am I seeing a different card number than what’s on my physical card entered into the form or on my receipt?
Wallet generates a payment token—a substitute for your actual card details—for each use
Checkout failed, but I see a pending charge. What should I do?
Check for an order confirmation and contact the merchant to find out whether the order went through before trying again. Ask your card issuer about the pending charge and when the hold may clear. A conversation error alone doesn’t confirm the order’s status or when a hold will clear.
What if checkout expires or the conversation stops responding?
Check the merchant’s receipt or order status first. If there is no clear result, contact the merchant rather than immediately repeating the purchase. Contact OpenAI Support if the conversation or approval flow is stuck.