After adding a card to the wallet, your Dots agents can use it to buy things in response to your prompts, but they’ll check in with you each time before checking out. OpenAI’s support page says every purchase with ChatGPT Wallet requires a security check with biometric verification like Face ID or a fingerprint scan.

After you review the AI agent’s purchase and sign off on it, OpenAI says that, similar to using tap to pay, Apple Pay, or Google Wallet, it substitutes your credit card details with a payment token, so your actual card info isn’t shared with your Dots agent or the business you’re buying from. Eventually, OpenAI says it expects “users to be able to delegate purchases entirely to their agent by setting clear parameters—such as spending limits, purchase categories, or time periods—and pre-approve those purchases.”

ChatGPT Wallet might not work everywhere. Some retailers have restrictions on AI agents or block them altogether. Earlier this year, Amazon blocked Meta’s Muse agents. OpenAI says that in order for agents to use ChatGPT Wallet, “websites need to ensure agents are not inadvertently blocked, and payment and risk systems need to recognize legitimate purchases made by agents.”