The Wallet runs on ChatGPT Pro, from $100 a month. It starts with Pro subscribers in the US who are 18 or older and have an eligible US-issued card. OpenAI calls this limited availability, and even some Pro accounts won't see it right away.
The shopper here is a dot, OpenAI's always-on agent, which OpenAI rolls out on Pro, Business Premium, and Enterprise plans. The Wallet itself is Pro-only during this rollout. We checked a free US account on launch day: no dot, no Wallet.
The business-side checks below are free to run: the access checker loads without an account, and Business Hub was reachable on a free account when we tested it November 10.
Reading takes about 5 minutes. Nothing in this guide asks you to buy anything.