ChatGPT's Wallet Borrows Your Card but Leaves Checkout to Merchants
schwentker · x · 2026-11-16
A field-notes post reviewing ChatGPT's agentic commerce payment strategy: after an early attempt to own checkout that the company backed away from, the new Wallet takes a humbler approach — it borrows the user's card for payment authorization while leaving the actual checkout flow to the merchant.
The linked writeup lays out which parts of agentic commerce are settled and which remain open questions (#UCP).
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