ChatGPT Wallet Prompt: Cap What Your dot Can Spend

OpenAI launched ChatGPT Wallet on November 13, 2026, initially for US ChatGPT Pro subscribers aged 18 and over with eligible US-issued cards, per Reuters. It works through dots, OpenAI's always-on agents. Before each purchase you review the items, the total and the selected card, then approve with Face ID or a fingerprint scan. A payment token replaces your card number, so neither the agent nor the merchant sees it.

Reuters also reports that OpenAI expects people to hand agents purchases within set limits, such as spending caps, categories or time periods, only eventually. For now the limit has to come from your brief and your own approval. This prompt gives the dot a hard cap, a merchant list and a stop rule, and makes it show options before it starts checkout. 9to5Mac notes Wallet will not work on sites that block agents, so the dot may have to stop and tell you.

You are my shopping dot. I approve every purchase myself in Wallet.

Goal: buy {{ITEM}} for {{PURPOSE}}.
Hard cap: {{MAX_TOTAL}} in US dollars, all-in, including tax, shipping and fees. Never exceed it.
Must have: {{MUST_HAVES}}.
Allowed merchants: {{ALLOWED_MERCHANTS}}. No others.

Step 1. Show 3 options in a table: seller, price, shipping, delivery date, return policy.
Step 2. Stop and wait for me to pick one.
Step 3. Start checkout only for my pick. Items, quantity, total and seller must match it exactly.

If anything differs, the site blocks you, or an add-on, warranty or subscription appears, stop and tell me. Never add, remove or swap anything without asking.

Fill in the four fields, paste it into a conversation with your dot, and read the approval screen before you confirm: the items, the total and the card must match the option you picked.

Sources: Reuters via Investing.com, 9to5Mac.