NPCI, Razorpay, and OpenAI launch AI-powered payments on ChatGPT in India

In a groundbreaking development for India’s digital payments landscape, the National Payments Corporation of India (NPCI), fintech leader Razorpay, and AI innovator OpenAI have partnered to introduce “Agentic Payments” on ChatGPT. This initiative aims to revolutionise online shopping by enabling users to make purchases and complete payments directly within the ChatGPT interface.

What Are Agentic Payments?

Agentic Payments refer to the ability of AI systems to autonomously handle transactions on behalf of users. In this pilot program, users can interact with ChatGPT to discover products, compare prices, and authorise payments – all within the chat environment. This seamless integration eliminates the need to switch between apps or platforms, streamlining the shopping experience.

How Does It Work?

The collaboration leverages several key technologies:

• Unified Payments Interface (UPI): Developed by NPCI, UPI is India’s real-time payment system that facilitates secure and instant interbank transactions.
  
• Razorpay’s Payment Infrastructure: Razorpay provides the necessary tools to process payments securely and efficiently.
  
• OpenAI’s ChatGPT: ChatGPT serves as the conversational interface, guiding users through the shopping and payment process.

Users can authorise ChatGPT to make purchases within predefined spending limits using UPI Circle and UPI Reserve Pay features. These features ensure that transactions are secure and within the user’s control.

Pilot Program Details

The pilot program is currently underway, with participation from:

• Axis Bank and Airtel Payments Bank: Serving as banking partners to facilitate UPI transactions.
  
• BigBasket: One of the first e-commerce platforms to integrate this AI-driven shopping experience.

This collaboration was officially announced at the Global Fintech Fest 2025, highlighting India’s leadership in integrating AI with digital payments.

Benefits for Users

• Seamless Shopping Experience: Discover and purchase products without leaving the ChatGPT interface.
  
• Enhanced Security: Transactions are authorized by the user and processed through secure UPI channels.
  
• Time Efficiency: Complete shopping and payment processes in a single conversation.