In a groundbreaking step for India’s digital economy, Razorpay, NPCI, and OpenAI have joined forces to introduce Agentic Payments—a first-of-its-kind feature that allows users to make real payments through ChatGPT conversations. The move signals a new era in the way Indians interact with artificial intelligence and digital transactions, blending convenience, security, and innovation on one platform.
Imagine chatting with an AI and saying, “Order my weekly groceries” or “Pay my electricity bill,” and the assistant not only understands your request but also completes the payment through UPI without switching apps. That’s the power of Agentic Payments—where conversation meets action.
How Agentic Payments Work
Agentic Payments turn ChatGPT into your smart payment assistant. It listens to your instructions, identifies what you need, finds the right service or product, and completes the transaction through the Unified Payments Interface (UPI) in just a few seconds. Razorpay’s advanced payment infrastructure ensures smooth and secure transfers, NPCI provides the trusted UPI framework, and OpenAI powers the AI-driven interaction that makes it all feel natural and effortless.
Users remain in full control throughout the process. Every action requires approval, and each payment can be tracked or cancelled instantly. The system has been built with multiple safety checks to ensure transparency and reliability. The goal is not to replace user decisions but to simplify them, reducing the friction that usually comes with switching between multiple apps or websites to get things done.
A Collaboration That Redefines Digital Payments
This collaboration between three major players brings together the best of India’s fintech ecosystem and global AI innovation. NPCI’s UPI network already handles billions of payments monthly and is the foundation of India’s cashless economy. Razorpay adds its proven payment gateway solutions and UPI features, while OpenAI brings the conversational intelligence that makes AI assistants truly interactive.
By integrating all three, users can talk to ChatGPT like a human and still complete financial actions safely. It’s a bold step towards making digital assistants not just informative, but truly capable of executing real-world tasks. The partnership aims to demonstrate how AI can handle everyday financial needs without adding complexity for users.
Real-World Example and Benefits
The first brand to adopt this system is BigBasket, a leading online grocery platform. Through ChatGPT, users can now ask for ingredients for a meal, view product suggestions, confirm the order, and pay via UPI—all within the chat interface. This real-world use case shows how AI can simplify routine purchases while offering users greater comfort and speed.
For customers, it means convenience, smart recommendations, and time savings. For businesses, it opens a new channel to reach consumers directly and reduce drop-offs that usually occur during payment steps. Both sides benefit from a seamless shopping experience guided by AI and powered by secure payment technology.
The Road Ahead
While the concept is exciting, the future of Agentic Payments depends on trust, privacy, and user comfort. Razorpay and NPCI have emphasized that user data and consent remain central to the system. The next phase will include expanding this service across more industries—food delivery, travel bookings, and utility bill payments.
With Agentic Payments, India is once again setting the pace for digital innovation. This collaboration between technology and finance could redefine how people interact with AI, turning ChatGPT from a helpful assistant into a reliable companion for everyday life. The future of payments, it seems, might just be a conversation away.