Ever find something you want to buy online, leave it sitting in a browser tab and then completely forget where you saw it? Maybe you spotted a great pair of headphones while searching Google. Later, you found a birthday gift at another retailer. Before long, you've got a dozen tabs open and no idea which store had the better deal.

Google thinks it has a solution. On Oct. 15, the company began the U.S. rollout of Universal Cart, a new artificial intelligence-powered shopping tool that brings products from different retailers into one place. It also tracks prices, watches for restocks and helps you find savings before checkout.

With holiday shopping approaching, the timing could be especially useful. But there's another question worth asking. Will having everything in one cart help us spend less, or simply make it easier to buy more?

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What is Google Universal Cart?

Google Universal Cart is a shopping hub that works across Google Search and the Gemini app. Instead of keeping separate lists of products you might buy, you can save items from different retailers in one place. For example, you might find a coffee maker while searching Google and add it to your Universal Cart. Later, while talking with Gemini about gift ideas, you could save a pair of sneakers from another store. When you return, both products will be waiting for you. Google first previewed the tool in May 2026. Now, Universal Cart is rolling out to U.S. shoppers. It uses Google's Shopping Graph, which contains more than 60 billion continually refreshed product listings. That information helps the system monitor prices and availability across supported products.

4 ways Google's new AI shopping cart can help you save

The biggest attraction here is convenience. But Google has added several features that could also help you avoid paying more than necessary.

1. Keep products from different stores in one cart

Shopping online often means bouncing between websites. You find something at Target, check another item at Walmart and then head to Sephora for a gift. Remembering where you saw everything can become a chore. Universal Cart lets you save supported products you discover through Google Search and Gemini. More importantly, your saved items stay together when you return to shopping. That could come in handy when you're shopping for several people or making a big purchase that requires some research. You can keep your options organized without committing to buying anything right away.

2. Get alerts when prices drop or products return

Here's the feature I find particularly interesting. Universal Cart can monitor saved products and notify you when a price drops. It can also alert you when something that sold out becomes available again. Suppose you're considering a new television but aren't ready to spend the money. Rather than checking the same retailer every morning, you can save it and let Google's shopping system watch for changes. The alerts could be especially helpful heading into Black Friday and the holiday shopping season. Still, remember that a price reduction doesn't automatically guarantee the lowest price available.

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3. Find promo codes and credit card savings

This is where Google's AI starts doing some extra work. Universal Cart can surface relevant promotional codes and consider benefits associated with your payment cards. Let's say you have multiple credit cards but can't remember which one offers better rewards at a particular retailer. Universal Cart uses information from Google Wallet to understand supported credit card benefits and help you choose between payment methods. It can also show relevant promotional codes directly in your cart, potentially helping you find savings you might otherwise miss. However, I would still check the details before choosing a card. Rewards programs come with conditions, and the highest points offer may not always translate into the greatest savings.

4. Check out without starting over

Once you're ready to buy, Universal Cart offers a more streamlined checkout experience with participating retailers. In some cases, you can complete the purchase using Google Pay directly from the cart. Alternatively, Google can transfer your selected items to the retailer's website so you can finish your order there. Google says its simplified checkout experiences include retailers such as Nike, Sephora, Target, Ulta Beauty, Walmart and Wayfair, along with many Shopify merchants. However, the available checkout options depend on the retailer. Either way, the retailer remains the seller of record and handles order confirmations and customer support. That means you'll continue dealing with the merchant for delivery questions or returns.

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How to get started with Google Universal Cart

Google began rolling out Universal Cart to U.S. users on Oct. 15. The feature works across Google Search and the Gemini app, although availability may vary as the rollout continues. To explore it, open Google Search or Gemini and look for products you're interested in buying. When Universal Cart becomes available in your shopping experience, you can save supported products from different retailers. Google says those items will remain in your cart when you return, allowing you to pick up where you left off. You can also use the cart to monitor price changes, discover promotional offers and review available checkout options. However, Google hasn't provided a single set of instructions that applies to every device. The appearance and placement of these features may vary.

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Does Google's Universal Cart work with every retailer?

Not necessarily. Google says Universal Cart can organize products across retailers, but that doesn't mean every online store supports every feature. The products you can save depend on supported shopping experiences. Meanwhile, checkout options vary depending on the merchant. Some purchases can happen through Google Pay in the cart, while others require you to finish on the retailer's website. Google originally introduced Universal Cart in May with plans to bring it to Search, Gemini, YouTube and Gmail. However, its October 15 launch announcement specifically confirms availability across Search and Gemini in the U.S. Google has not announced a confirmed launch date for Universal Cart integration with Gmail or YouTube.

What's powering Google's new shopping experience?

Behind the scenes, Google uses something called the Universal Commerce Protocol, or UCP. It's a shared technical standard designed to help AI-powered shopping tools communicate with retailers and payment systems. For shoppers, the technical details are less important than what they make possible. UCP helps Google connect product discovery with checkout, reducing the need to jump between different shopping experiences. Google has also been expanding AI shopping beyond the cart. Its Let Google Call feature, for example, can use AI to contact nearby stores and check product availability. Amazon has been developing AI-powered shopping tools, while OpenAI offers AI agents that can assist with shopping-related tasks. The competition to become your digital shopping assistant is heating up.

What about your shopping privacy?

Having Google organize your shopping could be convenient, especially if you already use Search and Gemini. Still, it's worth considering how much shopping information you're comfortable keeping within your Google account. Universal Cart uses Google Wallet to help identify supported payment benefits and relevant offers. However, Google's launch announcement doesn't provide detailed information about how long Universal Cart shopping data is retained or exactly how it may be used for advertising. Before relying on the feature, review your Google account's privacy settings and Google's published privacy policies. For now, I would avoid assuming that adding something to Universal Cart keeps that shopping interest private. And if you're buying a surprise gift for someone who shares access to your Google account, think twice before saving it there. Of course, the usual online shopping precautions still apply. Before completing a purchase, check the final price and verify that you're buying from a legitimate seller. A familiar checkout experience shouldn't replace those basic habits. For more help spotting suspicious sellers, see our guide on how to tell whether an online store is real or a scam.

Kurt's key takeaways

I like the idea of having one place to keep track of everything I'm considering buying, especially when the holidays roll around. The price alerts could be genuinely helpful. And if Google's AI can find a discount code I would have otherwise missed, I'm all for it. But I'm also watching where this is heading. Google is making shopping increasingly convenient, and that convenience can be a double-edged sword. When a company knows what you're interested in buying and makes checkout easier, there's less time to reconsider a purchase. My advice? Use Universal Cart to do your homework and save money. Just don't let the technology do the deciding for you.

Would you trust Google's AI to help you shop and choose how to pay, or are we giving tech companies too much influence over what we buy? Let us know by writing to us at CyberGuy.com.

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Ever notice that websites keep asking you to verify your identity when you're using a VPN? Whether you're checking your bank account, signing into email or shopping online, those repeated security checks can get frustrating. Your VPN may be part of the reason.

A VPN changes the IP address websites see, which can sometimes trigger additional verification requests. Fortunately, a dedicated IP address may help reduce those interruptions while keeping your VPN protection enabled. Here's what you need to know.

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In this free live online class, Kurt "CyberGuy" Knutsson will share five practical ways to protect your trip and your wallet this holiday travel season. You’ll learn how to secure your phone and personal information, find better travel deals, avoid common scams, save money on bookings and use technology to make your travels easier and less stressful. No technical experience is needed.

Join us Saturday, October 31, at 11 AM ET / 8 AM PT. Register free now at CyberGuyLive.com.

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How VPNs can affect your logins

First, let's set the record straight: A VPN generally does not interfere with how your passkeys or two-factor authentication codes work. Time-based authenticator codes are generated on your device and can work without an internet connection. Passkeys use cryptographic keys to verify your identity during a sign-in, while push notification approvals require a network connection. A VPN can usually work alongside all of these methods. What it does change is the public IP address websites see. When you connect through a VPN server, websites and apps see that server's IP address instead of your usual public IP address.

That's the whole point. But it's also why banks, email providers, and financial apps sometimes get nervous. These services use your IP address as one of many signals to decide whether a login looks legitimate. If you always log into your bank from roughly the same location and the same address, and suddenly your account is being accessed from a different city or a different country, the system flags it. Not because your VPN broke anything, but because from the app’s point of view, someone new just walked in the door.

Why changing IP addresses can trigger extra security checks

One common trigger is a VPN connection that uses shared IP addresses. Your public IP address may change when you reconnect or switch servers, although some VPN connections can keep the same address across multiple sessions. For a bank or workplace login portal that recognizes your usual login patterns, an unfamiliar IP address or location can raise a red flag.

The second trigger is shared IP addresses themselves. When hundreds of users connect through the same VPN server, they all appear to be coming from the same address. Websites and security systems recognize these addresses as VPN traffic and treat logins from them with extra suspicion. That means more CAPTCHAs, more verification steps, more temporary lockouts. Neither of these is a flaw in your VPN. It's doing exactly what it's supposed to do. But if you're regularly logging into sensitive accounts, those extra security checks can get frustrating fast.

How a dedicated IP can reduce login interruptions

One potential solution is a dedicated IP address. Instead of sharing an IP address with other VPN customers, you receive a fixed address reserved for your use. Each time you connect to that dedicated VPN location, websites see the same public IP address. This consistency may help reduce unnecessary CAPTCHAs and security checks, especially on services that consider your usual login location.

However, a dedicated IP doesn't guarantee that a bank or website will recognize your connection as trusted. Security systems also evaluate your device, account activity and other risk signals.

Some VPN providers offer dedicated IP addresses as part of their subscription plans or as a paid add-on. These services let you maintain a consistent IP address while keeping your internet traffic encrypted through the VPN. However, privacy protections vary by provider, so check how your dedicated IP is assigned and whether it can be linked to your account.

There is also an important trade-off. Because only you use your dedicated IP, websites may find it easier to associate repeated visits with the same address. Shared VPN addresses can provide greater privacy against IP-based tracking by mixing your traffic with other users.

For people who frequently encounter login interruptions, a dedicated IP may provide a more consistent browsing experience without giving up VPN encryption.

For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices at CyberGuy.com.

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A few extra tips to avoid VPN login problems

If you're still running into extra verification requests, here are five things worth trying.

1) Switch to a different VPN server

Some VPN server IP addresses trigger more security checks than others. Try connecting to a server closer to your actual location. This may help reduce verification requests, although websites can still recognize VPN traffic.

2) Use split tunneling for trusted apps

Some VPN services offer split tunneling, which lets you choose which apps use the VPN connection. For example, you might allow your banking app to connect directly to the internet while keeping other apps protected by the VPN. Just remember that apps bypassing the VPN will expose your regular public IP address. Feature availability varies by provider and device. Only bypass the VPN for sensitive apps when you're using a network you trust.

3) Check your authenticator app's clock

If your six-digit authentication codes aren't working, your device's clock could be the problem. Time-based codes depend on accurate time settings. Make sure your phone's date and time are set to automatic. If codes still fail, confirm you're selecting the correct account in your authenticator app.

4) Let trusted websites remember your device

Some websites offer a "Don't ask again on this device" option after you verify your identity. Selecting it can reduce repeated security checks on your personal computer or phone. Make sure your browser allows cookies for those websites, since private browsing or automatically clearing cookies can cause them to forget your device. Never use this option on a shared or public computer.

5) Don't approve unexpected login requests

A VPN can trigger extra security checks, but that doesn't mean every authentication request is legitimate. If your phone asks you to approve a login you didn't initiate, deny it. Someone could be trying to access your account. Check your recent account activity for unfamiliar sign-in attempts. If you spot anything suspicious, change your password and review your account's security settings.

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Kurt’s key takeaways

I like the extra privacy a VPN provides, but I can understand how repeated security checks could get frustrating. A VPN generally works alongside passkeys and two-factor authentication without interfering with their underlying security. However, changing IP addresses and shared VPN connections can prompt websites to request additional verification. A dedicated IP may reduce those interruptions by giving websites a more consistent connection to recognize. It won't eliminate every security check, but it can make frequent logins more convenient. The most important thing is to keep your authentication protections enabled, even when an extra verification step feels inconvenient.

Have you ever been locked out of an account while using a VPN, or found a solution that smoothed things out? Let us know by writing to us at CyberGuy.com.

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• Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox.
• For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
• Plus, you'll get instant access to my Ultimate Scam Survival Guide free when you join.

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Copyright 2026 CyberGuy.com. All rights reserved.