OpenAI 使用 ChatGPT 钱包从头开始重建人工智能购物
原文：OpenAI rebuilt AI shopping from scratch with ChatGPT Wallet
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在放弃第一种方法“即时结帐”后，OpenAI 正在利用 ChatGPT 钱包对人工智能购物进行第二次尝试。用户注册一次卡，并通过 Face ID 或指纹确认每次购买，而实际的卡详细信息隐藏在支付令牌后面。 Anthropic、Meta 和 xAI 等竞争对手已经让其代理进行购买。文章 OpenAI 重建 AI 购物 f
Maximilian Schreiner View the LinkedIn Profile of Maximilian Schreiner
Nov 13, 2026
OpenAI Key Points
- OpenAI's new ChatGPT Wallet lets AI agents make and pay for online purchases on behalf of users, launching for Pro subscribers in the US.
- Every payment requires authorization through Face ID or a fingerprint, and actual card details never reach merchants thanks to tokens generated by partners such as Visa and Mastercard.
- Competitors including Anthropic, Meta, and Google already offer similar agent shopping features, putting OpenAI in catch-up mode.
OpenAI is taking a second shot at AI shopping with ChatGPT Wallet, catching up with rivals like Anthropic, Meta, and xAI, whose agents can already shop online.
ChatGPT Wallet lets AI agents pay on behalf of users. OpenAI built it after scrapping Instant Checkout , its first attempt at letting people buy directly in the chat, because it wasn't flexible enough. At launch, the feature is available only in the US through Dots . Users must be adults and need a ChatGPT Pro subscription and an eligible US bank card.
To get started, users add their card once. Before every purchase, the system displays the items, the total, and the selected card. Users then approve each payment with a security check such as Face ID or a fingerprint.
Neither the agent nor the online store ever sees the real card details. Instead, payment partners American Express, Mastercard, and Visa generate a payment token, a stand-in card number with its own security code. According to OpenAI, existing card rewards and the usual bank protections for eligible disputes still apply.
OpenAI plans to eventually let users hand purchases off to their agents entirely, within set spending limits, product categories, and timeframes.
OpenAI maps out a fixed purchase flow from search to checkout
According to OpenAI, a purchase starts with the customer describing what they want, after which ChatGPT searches the open web, APIs, or merchant product feeds for options, and the user compares them and picks one. ChatGPT then completes the purchase either by using a browser on the merchant's existing website or through a plugin that supports structured actions such as managing the cart.
Many websites and payment systems still block AI agents as bots or reject their purchases for security reasons. To address that, OpenAI is also releasing a Commerce Partner Playbook . The guide explains how merchants can adjust their firewalls, provide product data, and work with payment providers such as Stripe, Adyen, and Riskified so agent-driven purchases go through.
OpenAI is playing catch-up on payment features for AI agents. Competitors such as Anthropic's Claude Duet, Meta's Muse, and xAI's Grok Bot already have built-in payments and rely in part on single-use cards via Stripe Link . Google and Perplexity also let users buy through their own checkout tools, such as Google Pay and Instant Buy .
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