Razorpay, the National Payments Corporation of India (NPCI), and OpenAI have initiated a pilot program introducing “Agentic Payments” on ChatGPT, enabling users to complete online purchases directly within the AI chatbot.
This collaboration integrates Razorpay’s payment infrastructure, NPCI’s Unified Payments Interface (UPI) network, and OpenAI’s conversational models, allowing users to discover products, compare prices, and make payments via UPI without leaving the ChatGPT interface.
Pilot Use Cases and Merchant Participation
The pilot is currently being tested for use cases such as ordering groceries and paying for digital services. For instance, a user can ask ChatGPT to order ingredients for a Thai-style vegetable curry from BigBasket.
The AI assistant fetches product options, confirms the selection, and initiates payment through Razorpay’s stack, with tracking and instant cancellation features.
BigBasket, a Tata Group-owned e-commerce platform, is among the first merchants to participate in this initiative.
The collaboration aims to test how conversational AI can streamline commerce and payments, with further expansion depending on the results of the ongoing pilot and regulatory clearances.
Banking Partners and Technological Integration
Axis Bank and Airtel Payments Bank are the banking partners for the pilot. The integration leverages UPI innovations such as UPI Circle and UPI Reserve Pay, enabling real-time, secure transactions.
This initiative aims to evaluate how UPI can be securely used by AI agents to autonomously process user-authorized transactions.
Regulatory Considerations and Future Prospects
The collaboration is focused on testing how conversational AI can streamline commerce and payments. Further expansion will depend on the results of the ongoing pilot and regulatory clearances.
OpenAI emphasized the potential of merging advanced AI with India’s highly reliable UPI system to create a seamless and secure shopping experience.
Contextual Background
This initiative follows OpenAI’s previous attempt to introduce UPI payments on ChatGPT, which faced challenges due to technical issues with Stripe’s payment processing in August 2025.
The failure forced OpenAI to suspend UPI as a payment option shortly after unveiling its India-specific offering.
The partnership between Razorpay, NPCI, and OpenAI represents a significant step towards integrating conversational AI with digital payment systems in India.
By leveraging UPI’s robust infrastructure, the collaboration aims to provide users with a seamless and secure platform for online transactions within the ChatGPT interface.
The outcome of the pilot program will determine the feasibility of expanding this model to other sectors and regions.
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