Glossary
Delegated payment token
A single-use payment token a processor returns for one approved purchase, capped by amount, merchant, and expiry.
What is a delegated payment token?
A delegated payment token is a single-use payment token a processor returns for one approved purchase, capped by amount, merchant, and expiry.
OpenAI’s Delegated Payment Spec, Last-Modified 11:17 GMT on November 12, 2026, says OpenAI sends card details to the merchant’s payment provider. The provider returns a token. OpenAI forwards it on the complete-checkout call. The allowance requires one_time, a max amount, a currency, a merchant id, a checkout session, and an expiry. The only payment method type in that spec is card. OpenAI is not the merchant of record. Direct integration is for payment providers or PCI DSS level 1 merchants. Stripe’s Shared Payment Token is the first implementation the spec names. Stripe marks that token a public preview, available in the US, Canada, and select European countries, and its examples use API version 2026-09-30.preview.
The token is a guardrail on an agentic checkout. It is not the same object as an AP2 Checkout Mandate. ChatGPT’s merchant page, read the same day, still sends the shopper to the store to pay. A feed does not create this token.
The longer guide is How do AI shopping agents pay?. The category is agentic commerce. The assistant is a shopping agent.
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