With a new multilateral pilot AI payment project, ChatGPT users in India are now able to discover products and complete purchases using India’s Unified Payments Interface (UPI) directly within the ChatGPT experience. Gemini and Claude are next in line for agentic payment testing.
India is taking a major leap toward AI-driven commerce as the National Payments Corporation of India (NPCI), Razorpay, and OpenAI jointly launched a pilot enabling Unified Payments Interface (UPI) transactions directly within ChatGPT.
The initiative, advertised as Agentic Payments, marks the gradual expansion into the mainstream of the new phase in digital payments, where AI agents can not only suggest products but also execute purchases securely and instantly on a user’s behalf.
Through the pilot, users can browse, compare, and buy products without leaving ChatGPT, completing checkout via UPI in just a few conversational steps. The system integrates ChatGPT’s AI interface, Razorpay’s payments infrastructure, and NPCI’s UPI rails, enabling frictionless, real-time payments between consumers and merchants. Early participants reportedly include Axis Bank, Airtel Payments Bank, and Bigbasket.
The pilot leverages UPI’s latest “Reserve Pay” feature, allowing users to pre-authorize transactions while maintaining full control over when and how payments are executed. The system is designed so that the AI agent, once authorized, can complete the purchase without redirecting the user to a separate app or payment screen. The collaboration aims to demonstrate how secure, consent-based agentic commerce can scale in a regulated national payments environment.
At the Global Fintech Fest 2025, Razorpay unveiled the broader concept behind this pilot — Agentic Commerce, described as India’s first AI-powered payment layer that enables digital agents across leading AI platforms to transact on behalf of users.
“Built on India’s own UPI rails and powered by our trusted payment infrastructure, this launch makes it possible for AIs across Gemini, OpenAI, and Claude to securely complete real-world purchases — from flights to food, directly through conversation,” explained company representatives.
Razorpay has publicly stated that Anthropic’s Claude is already a part of the envisioned ecosystem. Reportedly, the firm has also completed proof-of-concept integrations with Gemini, planning to roll it into production for users in the coming weeks. Thus, we can expect the firm showcasing integrations with Gemini in publicly demoed flows soon as well.
The partnership positions India at the forefront of AI-commerce integration, leveraging its advanced real-time payments ecosystem. With over 12 billion UPI transactions processed monthly, India provides the perfect testing ground for how AI agents can safely conduct payments in daily life.
The partners emphasized that for businesses, this AI-driven shift to agentic payments means storefronts can now live inside AI chat interfaces, reaching users where they already interact, and the conversation itself becomes the checkout counter. For consumers, it turns shopping into a conversational experience that feels as natural as talking.
This development also aligns with a wider industry shift toward AI-powered shopping assistants seen in markets like Europe and the U.S., where companies such as Klarna and Shopify are testing similar conversational commerce tools. Yet India’s initiative stands out for being infrastructure-driven, using public payment rails rather than closed proprietary systems, thus potentially setting a new model for AI-embedded financial ecosystems.
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