OpenAI has introduced ChatGPT Wallet, a new AI-driven payment system designed to replace its previous Instant Checkout model. According to The Decoder, the company rebuilt its AI shopping payment solution from the ground up after scrapping its initial approach.
The new system allows users to register their payment card once and then authorize each purchase using Face ID or fingerprint verification. Importantly, actual card details remain protected behind payment tokens, enhancing security and privacy, The Decoder reported. This approach contrasts with Instant Checkout’s earlier design.
OpenAI is entering a competitive landscape where other tech firms, including Anthropic, Meta, and xAI, already have AI agents capable of making purchases. For Japanese markets, where digital payment security and convenience are critical, OpenAI’s revamped wallet could influence how AI integrates with consumer finance and e-commerce.