Razorpay, NPCI and OpenAI Launch Agentic Payments Integrating AI with UPI Transactions

On October 9, 2025, Razorpay, the National Payments Corporation of India (NPCI), and OpenAI launched a new payment solution, Agentic Payments, merging AI conversational interfaces with UPI to enable real-time digital purchases without leaving AI platforms.

Agentic Payments Pilot: AI-Powered Real-Time UPI Transactions

The Agentic Payments pilot enables AI assistants, such as ChatGPT, to manage the entire transactional flow, from product discovery to payment execution. It uses Razorpay’s robust digital infrastructure, NPCI’s UPI gateway, and OpenAI’s AI models. This synergy now allows end users to issue instructions to AI, which handles everything from choosing products to processing payments.

With the support of partner banks Axis Bank and Airtel Payments Bank, these payments occur securely over UPI. Merchants, including BigBasket, are already participating in the pilot phase. UPI advancements such as UPI Circle and UPI Reserve Pay further support these AI-led transactions, ensuring user control and safety with options like instant revocation and real-time tracking.

Enhancing User Experience with AI and UPI

This initiative transforms digital payment interaction by allowing shoppers to operate entirely through AI interfaces. The assistant interprets commands, filters options, confirms selections, and completes the transaction, all without switching apps or screens. Users can experience highly personalised shopping journeys while retaining full control of authorisation and spend limits.

Read More: India’s Digital Payments Expected to Triple by FY30, Credit Cards to Drive Next Growth Phase: PwC!

Future Prospects for AI Commerce Integration

Agentic Payments is also an early-stage innovation project that aims to test the scalability of AI-powered transactions in verticals like food delivery, healthcare, or ticket booking. It paves the way for future enhancements involving circular payment flows, autonomous purchasing, and voice-controlled commerce while upholding privacy and financial transparency.

Conclusion

Agentic Payments brings together the strengths of Razorpay, NPCI and OpenAI to revolutionise the digital payment experience. The pilot offers promising innovation in combining AI fluency with the reliability of India’s UPI infrastructure, creating a smart, secure and seamless shopping interaction across use cases.

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