Business EconomyPosted at: Oct 9 2025 7:19PM


Razorpay unveils ‘Agentic Payments’ on ChatGPT with NPCI

New Delhi, Oct 9 (UNI) Razorpay, India’s leading payments and banking platform, today announced private beta launch of Agentic Payments, which is being developed in collaboration with National Payments Corporation of India (NPCI) and OpenAI’s ChatGPT, an official blog said.
‘Agentic Payments’ refer to the transactions initiated and executed autonomously by an AI agent, rather than a human-user to perform commerce tasks like purchasing items, paying bills or renewing subscriptions without direct human intervention.
This is more than just a feature; it’s a fundamental breakthrough that moves AI from helping you find products to helping you securely complete the entire purchase.
The blog said. “Starting today, together we’re taking the first step towards helping Indians find the right product on ChatGPT and instantly check out using their favourite way: UPI.”
By leveraging new capabilities from NPCI–specifically UPI Circle and UPI Reserve Pay, this system allows users to securely pre-authorize their trusted AI agent to make purchases within pre-set, user-defined spending limits.
It removes the need for constant human authentication.
This private beta represents a unified vision from the leaders of India’s digital ecosystem: OpenAI’s ChatGPT brings the advanced conversational intelligence, NPCI provides the secure, bank-grade infrastructure via UPI, and Razorpay builds the crucial connecting layer—the payment experience itself, the blog said.
“From groceries to mobile recharges, the possibilities are vast. This private beta is just the first step. Over the coming months, Razorpay, NPCI, and OpenAI will work together to move this innovation from a proof-of-concept into full production,” it added.
NPCI's Unified Payments Interface (UPI) is a real-time payment system for instant fund transfers between bank accounts using a single mobile application. It enables seamless peer-to-peer and merchant payments through secure two-factor authentication, QR codes and virtual payment addresses.
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