{"id":1301300,"date":"2025-10-13T09:42:02","date_gmt":"2025-10-13T04:12:02","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1301300"},"modified":"2025-10-13T09:42:32","modified_gmt":"2025-10-13T04:12:32","slug":"soon-make-upi-payments-on-chatgpt-testing-starts-by-npci-razorpay-openai","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/soon-make-upi-payments-on-chatgpt-testing-starts-by-npci-razorpay-openai\/","title":{"rendered":"Soon, Make UPI Payments On ChatGPT: Testing Starts By NPCI, RazorPay, OpenAI"},"content":{"rendered":"\n<p>India is once again leading in digital finance innovation. The National Payments Corporation of India (NPCI), in collaboration with Razorpay and OpenAI, has launched a pilot program allowing users to make AI-powered payments directly through ChatGPT using the Unified Payments Interface (UPI). This initiative marks a major step toward agentic AI commerce, where artificial intelligence can autonomously handle transactions securely and efficiently.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"510\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-13-at-9.41.12-AM-1024x510.png\" alt=\"\" class=\"wp-image-1301309\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-13-at-9.41.12-AM-1024x510.png 1024w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-13-at-9.41.12-AM-300x150.png 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-13-at-9.41.12-AM-768x383.png 768w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-13-at-9.41.12-AM-1536x766.png 1536w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-13-at-9.41.12-AM-2048x1021.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Transforming AI into Shopping Agents<\/h3>\n\n\n\n<p>The concept of <strong>agentic AI<\/strong> refers to AI models capable of performing complex tasks with minimal human intervention. By embedding UPI credentials within ChatGPT, users can authorize transactions, enabling AI to act as a transactional assistant. Razorpay CEO Harshil Mathur emphasizes that this technology transforms AI assistants from simple discovery tools into full-fledged shopping agents capable of completing purchases autonomously.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Secure Transactions with \u2018Reserve Pay\u2019<\/h3>\n\n\n\n<p>The pilot leverages UPI\u2019s <strong>\u201creserve pay\u201d<\/strong> feature, allowing users to pre-authorize funds for selected merchants. This provides an extra layer of security for AI-driven payments, ensuring users maintain control while the system executes transactions. Financial partners such as Axis Bank and Airtel Payments Bank will manage backend processing, while Bigbasket is the first retail partner to accept AI-powered UPI payments.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">India\u2019s Advantage in AI Payments<\/h3>\n\n\n\n<p>Unlike global competitors, India\u2019s UPI infrastructure allows seamless integration of AI-driven commerce with a secure, scalable domestic network. With NPCI\u2019s open and interoperable framework, fintech companies can innovate rapidly. Local rivals like Cashfree are already rolling out similar agentic AI payment systems, suggesting a fast-growing market for AI-enabled commerce in India.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">The Road to an AI-Powered Super-App<\/h3>\n\n\n\n<p>This pilot is part of OpenAI\u2019s broader vision of evolving ChatGPT into an <strong>\u201ceverything app\u201d<\/strong> \u2014 a platform capable of not just conversation but also shopping, bill payments, and other financial tasks. If successful, AI will no longer just recommend products; it will actively participate in financial ecosystems, merging generative AI capabilities with real-time digital payments.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion<\/h3>\n\n\n\n<p>India\u2019s integration of UPI with ChatGPT represents a transformative moment for AI and fintech. By combining secure digital payments with intelligent AI assistants, the pilot program has the potential to redefine everyday transactions, making AI a proactive and trusted participant in commerce, retail, and financial services.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.timesnownews.com\/technology-science\/you-now-can-make-upi-payments-with-chatgpt-but-theres-a-catch-all-you-need-to-know-article-152969735\">Image Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>India is once again leading in digital finance innovation. The National Payments Corporation of India (NPCI), in collaboration with Razorpay and OpenAI, has launched a pilot program allowing users to make AI-powered payments directly through ChatGPT using the Unified Payments Interface (UPI). This initiative marks a major step toward agentic AI commerce, where artificial intelligence [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1301309,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[584,41],"class_list":["post-1301300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-chatgpt","tag-upi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Soon, Make UPI Payments On ChatGPT: Testing Starts By NPCI, RazorPay, OpenAI - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/soon-make-upi-payments-on-chatgpt-testing-starts-by-npci-razorpay-openai\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Soon, Make UPI Payments On ChatGPT: Testing Starts By NPCI, RazorPay, OpenAI - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"India is once again leading in digital finance innovation. The National Payments Corporation of India (NPCI), in collaboration with Razorpay and OpenAI, has launched a pilot program allowing users to make AI-powered payments directly through ChatGPT using the Unified Payments Interface (UPI). This initiative marks a major step toward agentic AI commerce, where artificial intelligence [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trak.in\/stories\/soon-make-upi-payments-on-chatgpt-testing-starts-by-npci-razorpay-openai\/\" \/>\n<meta property=\"og:site_name\" content=\"Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-13T04:12:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-13T04:12:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-13-at-9.41.12-AM-1024x510.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"510\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mohul Ghosh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mohul Ghosh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trak.in\/stories\/soon-make-upi-payments-on-chatgpt-testing-starts-by-npci-razorpay-openai\/\",\"url\":\"https:\/\/trak.in\/stories\/soon-make-upi-payments-on-chatgpt-testing-starts-by-npci-razorpay-openai\/\",\"name\":\"Soon, Make UPI Payments On ChatGPT: Testing Starts By NPCI, RazorPay, OpenAI - Trak.in - Indian Business of Tech, Mobile &amp; 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