OpenAI launches AI payments in ChatGPT with Visa, Mastercard and Amex
OpenAI launched a ChatGPT feature that lets US Pro subscribers authorize AI-agent purchases using eligible US-issued cards. Biometric checks approve transactions, while payment networks provide tokenized credentials that conceal card details. OpenAI plans to add preset spending limits for purchases that do not require individual approval. The rollout uses existing checkout systems and involves payment processors and fraud-prevention firms. The move reflects growing efforts by technology and payment companies to enable agent-led commerce. Crypto firms are also developing related tools, including Coinbase’s x402 protocol for stablecoin payments and Circle’s Agent Stack for agents to manage USDC. Juniper Research forecasts agentic commerce could grow from $8 billion in 2026 to $1.5 trillion by 2030.
