India Pioneers AI Payments as Razorpay Enables UPI Transactions Directly in ChatGPT

In a move that puts India at the absolute forefront of global fintech innovation, Razorpay has partnered with the National Payments Corporation of India (NPCI) and OpenAI to launch a revolutionary new feature: UPI-based Agentic Payments directly within ChatGPT. This groundbreaking integration allows users to perform financial transactions using simple, conversational commands, effectively turning the AI chatbot into a personal payment agent.

From Clicking Buttons to Having a Conversation

This launch introduces a new paradigm in digital transactions. The current user experience for a UPI payment, while efficient, is still a multi-step process: unlock your phone, find the app, tap 'Scan' or 'Pay to Contact', enter the amount, and authenticate. Agentic Payments collapse this entire workflow into a single command. A user can simply type a natural language instruction like, "Pay my electricity bill of Rs 1500" or "Send Rs 500 to Rohan for dinner." The AI agent, powered by OpenAI's models and integrated with Razorpay's secure UPI infrastructure, understands the intent, confirms the details with the user ("Are you sure you want to send Rs 500 to Rohan Sharma?"), and then initiates the transaction for final approval.

"This is the most significant leap in user experience for payments since the launch of UPI itself. We are moving from a world of clicking buttons to simply having a conversation with your money."

Security and the Trifecta of Innovation

This pioneering feature rests on a powerful collaboration. NPCI provides the robust and secure UPI rails, OpenAI delivers the conversational intelligence, and Razorpay acts as the crucial fintech layer, securely connecting the AI to the banking system. The critical question of security is addressed by ensuring that while the conversation happens in ChatGPT, the final financial authentication (the UPI PIN entry) still happens within the secure, encrypted environment of the user's UPI app, as per NPCI guidelines. The AI acts as a smart initiator, not the final authorizer, maintaining the integrity of the existing security protocols.

The Dawn of True Conversational Commerce

While the initial rollout will be phased, the implications are immense. This is the first step towards true conversational commerce. The possibilities are staggering. Imagine telling your AI assistant: "Find the cheapest non-stop flight to Mumbai for next weekend, book the window seat for me, and pay for it." The AI could then execute the entire chain of tasks—search, selection, form-filling, and payment initiation. This integration paves the way for a future where booking tickets, ordering groceries, and managing subscriptions can all be done through a single, intelligent, conversational interface.

This is a landmark achievement built upon India's world-leading Digital Public Infrastructure (DPI). The "India Stack"—the combination of Aadhaar for identity, UPI for payments, and other layers—provides the foundation upon which such revolutionary services can be built, once again showcasing India's leadership in building digital ecosystems for the world.