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Soon, you’ll be able to make UPI payments directly through ChatGPT

Tata Group's BigBasket and Vodafone Idea will be one of the first platforms to allow UPI payments through ChatGPT.

The integration will users to buy items using UPI while talking to AI chatbots like ChatGPT, Gemini and Claude. (Image Source: Gemini/AI Generated)

Indian shoppers will soon be able to shop and pay for things while talking to AI chatbots like ChatGPT. The National Payments Corporation of India (NPCI), the government entity behind the United Payments Interface (UPI), has announced a partnership with OpenAI and Razorpay to enable direct payments via ChatGPT.

The move comes after Google and Perplexity announced their own AI-powered payment services. Razorpay has now revealed that it has started privately testing the beta version of Agentic Payments, a feature that lets users complete transactions without leaving the AI platform they are using.

According to Reuters, the ongoing pilot will help determine how UPI can be used “to autonomously complete transactions on behalf of users in a safe, secure and user-controlled manner.” In case you are wondering, the functionality will make use of UPI’s newly introduced ‘reserve pay’ feature, which allows users to dedicate a portion of their funds for specific merchants, along with UPI Circle, a feature that lets users make UPI payments without having to leave an app.

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AI made its first payment in India – seamlessly – no redirects, no hassles.
We just piloted Razorpay Agentic Payments with @NPCI_NPCI & @OpenAI at #GFF2025.
You chat → the AI shops → you confirm → it pays.
India didn’t wait for the future. It switched it on. 🚀 pic.twitter.com/GI7rM28NMJ

— Harshil Mathur (@harshilmathur) October 9, 2025

Airtel Payments Bank and Axis Bank are the banking partners for the pilot program, while Tata Group’s BigBasket and network operator Vodafone Idea will be among the first platforms to allow payments through ChatGPT. In a statement to TechCrunch, RazorPay co-founder and CEO Harshil Mathur said that they have also completed trials for the new agentic AI payment systems with other AI chatbots like Gemini and Claude. However, it will still take a few weeks before these integrations go live.

As of now, India’s plan for agentic AI payments has no specific revenue-sharing models, but the move could help companies like OpenAI and Google increase their user retention. Also, AI companies won’t be getting access to payment data, and users will have to authorise their transactions using a two-factor authentication method.