ChatGPT can Now Do UPI Payments! Know All Details Here

In a major step towards the convergence of artificial intelligence and digital payments, the National Payments Corporation of India (NPCI) and fintech giant Razorpay have partnered with Microsoft-backed OpenAI to enable AI-powered UPI payments through ChatGPT. The pilot project, announced on Thursday (October 9), marks the first time conversational AI is being integrated directly into India’s homegrown Unified Payments Interface (UPI) ecosystem.

Under this pilot, users can make real-time UPI payments directly within ChatGPT conversations, allowing them to complete purchases or transactions without leaving the chat interface. Axis Bank and Airtel Payments Bank are the official banking partners for the initiative, while Bigbasket, owned by the Tata Group, has become one of the first e-commerce platforms to adopt this new system.

According to a joint statement from NPCI, Razorpay, and OpenAI, the pilot aims to test how UPI can be used to enable AI agents with payment credentials to autonomously complete transactions on behalf of users in a safe, secure, and user-controlled manner. The project will also explore expansion possibilities across other sectors including retail, travel, and services, paving the way for AI to handle seamless digital payments in day-to-day interactions.

This collaboration represents the next phase of UPI innovation, moving from human-initiated payments to intelligent, AI-assisted transactions where users can simply tell ChatGPT what they want, and the payment happens securely in the background.

Oliver Jay, Managing Director of International Strategy at OpenAI, added that the partnership combines advanced AI with UPI, one of the world’s most trusted real-time payment networks, calling it the beginning of a new era of effortless and secure commerce.

The implications go beyond convenience. With UPI processing over 20 billion transactions every month, integrating conversational AI could redefine how consumers interact with financial systems, shifting digital payments from app-based actions to conversational commands. The move aligns with India’s broader push to embed UPI into emerging technologies, including wearables, IoT devices, and biometric systems.

While the pilot remains limited in scope for now, industry experts believe this collaboration could eventually turn platforms like ChatGPT into autonomous digital agents capable of managing bills, renewing subscriptions, or even investing, all through natural conversation.

Money, it seems, is learning to talk back finally.

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