"India has kicked off a pilot to let consumers shop and pay directly through AI chatbots, with OpenAI's ChatGPT leading the rollout and integrations with Google's Gemini and Anthropic's Claude in development, as the South Asian nation becomes the next major market for global AI companies. On Thursday, the National Payments Corporation of India (NPCI), the federal body behind the country's widely used Unified Payments Interface (UPI), partnered with OpenAI and fintech firm Razorpay to enable consumers to shop and pay directly through ChatGPT."
"The experience is built on UPI Reserve Pay - a new NPCI protocol that allows users to block a specific amount of funds for future debits to designated merchants - and UPI Circle, a solution that delegates UPI authentication, enabling payments to be completed directly within ChatGPT without switching to external apps or websites. Razorpay has developed the merchant integration layer that allows businesses to transact through AI chatbots."
A nationwide pilot enables consumers to shop and pay directly through AI chatbots, led by ChatGPT with integrations planned for Gemini and Claude. NPCI partnered with OpenAI and Razorpay to implement payments using UPI Reserve Pay and UPI Circle, allowing funds to be reserved and UPI authentication to occur inside chatbots. Razorpay built the merchant integration layer to enable business transactions through AI. Initial merchant partners include Bigbasket and Vi, while Axis Bank and Airtel Payments Bank provide banking services. The pilot aims to deepen AI-driven commerce and expand ChatGPT's engagement in India’s digital economy.
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