Razorpay has partnered with the National Payments Corporation of India (NPCI) and OpenAI to launch India’s first AI-powered payment feature on ChatGPT.

Thsi allows users to discover and pay for products in a single conversation.

The private beta, called Agentic Payments, integrates NPCI’s Unified Payments Interface (UPI) with ChatGPT to enable users to authorise the AI assistant to make purchases within preset spending limits.

The feature reduces repeated manual authentication such as PINs or one-time passwords, while maintaining security through NPCI’s UPI Circle and UPI Reserve Pay frameworks, which allow secure pre-authorisation for trusted transactions.

The collaboration combines NPCI’s payment infrastructure, OpenAI’s conversational technology, and Razorpay’s payment systems to simplify digital transactions.

Users can complete purchases directly within ChatGPT once they have authorised payments through their UPI-linked accounts.

At the Global Fintech Fest, Razorpay demonstrated how users could browse and pay for groceries on Bigbasket within ChatGPT, and recharge mobile plans via conversational AI in the Vodafone Idea app.

Axis Bank and Airtel Payments Bank are among the partners supporting the framework.

Razorpay said the private beta marks an early step toward AI-native commerce, where conversational interfaces play a central role in product discovery and payment.

The company plans to expand the rollout over the coming months as the system transitions from beta to production.

Early access is now available for users interested in the Razorpay Agentic Payments here.