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Earlier this month, we covered OpenAI’s launch of Instant Checkout in the US. India’s pilot shows how the same technology adapts to different payment systems worldwide.
How It Works
National Payments Corporation of India (NPCI), fintech company Razorpay, and OpenAI are testing a system where users shop through ChatGPT using their existing UPI accounts. Customers can browse products, select items, and complete payments in the chat interface without switching to merchant websites.
The pilot uses UPI’s new “reserve pay” feature, which lets users set aside funds for specific merchants. Axis Bank and Airtel Payments Bank handle the banking side.
First Merchant Testing
Bigbasket, part of Tata Group, is among the first retailers in the pilot. Customers can ask ChatGPT for product recommendations and complete grocery orders directly in the chat.
What’s Different Here
This is agentic AI payments – AI assistants completing transactions with minimal user input. Harshil Mathur, CEO of Razorpay, explained it as “transforming AI assistants from simple discovery tools into full-fledged shopping agents.”
The companies will test how this works across different product categories and whether AI agents can handle transactions safely while keeping users in control.
Why This Matters
The pilot proves AI-powered shopping works beyond Western payment systems. By integrating with UPI, ChatGPT taps into India’s digital payments network without requiring users to change how they pay.
Google and Perplexity AI launched similar features earlier in 2025. Cashfree, competing with Razorpay, announced its own agentic AI payments solution the same day.
OpenAI’s Oliver Jay said the company is exploring “how we can combine advanced AI with UPI, one of the world’s most trusted real-time payment networks.”
What Comes Next
The pilot will be evaluated before expanding to more merchants and categories. For now, this is single-item purchases in India. Multi-item carts and other regions come later.
