Agentic Payments in ChatGPT: NPCI, Razorpay & OpenAI Unite

October 21, 2025

In a pioneering move that blends artificial intelligence with financial technology, OpenAI, in collaboration with NPCI (National Payments Corporation of India) and Razorpay, has introduced Agentic Payments in ChatGPT.
This innovation allows users in India to perform UPI transactions directly within ChatGPT, marking a major milestone in the evolution of conversational AI.

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Transforming Conversations into Payments

The new Agentic Payments in ChatGPT feature transforms ChatGPT from a simple chatbot into a transaction-ready AI agent. With the help of NPCI’s UPI infrastructure and Razorpay’s secure payment gateway, users can now:

Transfer money through UPI
Pay bills, recharge, or shop online
Complete transactions using simple text commands

For example, a user can type, “Send ₹250 to Ananya via UPI,” and ChatGPT will execute the transaction securely within seconds — all without leaving the chat interface.

OpenAI’s Agentic AI Vision

This launch aligns with OpenAI’s broader mission to build agentic AI systems — intelligent models capable of understanding context, making decisions, and taking safe, meaningful actions.
With Agentic Payments in ChatGPT, OpenAI demonstrates how conversational AI can transition from answering queries to performing real-world financial tasks.

India’s UPI Backbone Powers the Future

By partnering with NPCI, the organization behind India’s revolutionary UPI framework, and Razorpay, a leading fintech innovator, OpenAI ensures that this payment integration is secure, fast, and compliant.
India’s advanced digital payment ecosystem serves as the foundation for this global AI-fintech experiment, highlighting the country’s pivotal role in shaping the future of smart payments.

Industry Reactions and Global Implications

Industry leaders are calling Agentic Payments in ChatGPT a game-changer for AI adoption in financial services.
This initiative could pave the way for similar innovations across e-commerce, digital banking, and customer support, making financial interactions faster, safer, and more conversational than ever before.

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