OpenAI to Soon Enable UPI Payments in India Through ChatGPT with Razorpay and NPCI

OpenAI is said to be in the process of onboarding Unified Payments Interface (UPI) payments natively on ChatGPT so that Indian users can conduct smooth transactions without ever leaving the app. This significant fintech tie-up includes India's payment regulator the National Payments Corporation of India (NPCI) and fintech giant Razorpay, marking the dawn of AI-powered payments on India's rapidly expanding digital economy.

AI-Powered Payments Arrive on ChatGPT

According to a report by Reuters, OpenAI is working closely with NPCI and Razorpay to bring AI-integrated UPI payments to ChatGPT. The feature will leverage UPI’s newly introduced “Reserve Pay” system, which allows users to reserve funds for specific merchants. This integration marks the first time artificial intelligence and India’s most popular digital payment system are coming together to enable intelligent, secure, and conversational transactions.

During the pilot stage, Airtel Payments Bank and Axis Bank will be the official banking partners. In the meantime, BigBasket will be one of the first e-commerce websites to enable AI shopping via ChatGPT. Customers can simply converse with the AI, tell it what they need to buy, and finalize their purchase without having to change apps or type out payment information.

How UPI Payments Work on ChatGPT

On a demo posted on X (formerly Twitter) by Razorpay's Co-founder and CEO Harshil Mathur, the new functionality was seen in action. During the demo, a user uploads a screenshot of grocery products that the user wants to order. ChatGPT then reads the image, recognizes the products, and searches them on BigBasket.

If a particular item is out of stock, ChatGPT recommends substitutes with ease, inquiring if the customer wants "best value brands" or organic and premium alternatives. Once the item is chosen, ChatGPT showcases an itemized invoice with the amount and shipping information. On acceptance by the customer, the payment is made securely using the UPI Reserve Pay token within the chat itself.

A message of confirmation then appears in the chat, confirming that the purchase has been made successfully. This process demonstrates the capability of AI as a personal shopper, not only able to browse or compare products, but also make secure payments in an instant.

The Future of AI-Driven Transactions

As per The Mint, the partnership among Razorpay, NPCI, and OpenAI will seek to understand how AI can shape the payment system by making it efficient, personalized, and secure. The collaborators hope to facilitate AI agents that are capable of conducting transactions on their own but safely by keeping payment credentials under the firm control and check of the user.

Such a system would be a quantum leap in the adoption of AI by India, fusing conversational capability with financial stability. It may turn ChatGPT into not only a productivity engine but also an intelligent commerce platform, making shopping, payment, and services easy for countless users.

When Will It Roll Out?

Until this time, OpenAI has not announced an official release date for UPI payments on ChatGPT. It also remains unclear if the feature will be available to all users or first to ChatGPT Plus subscribers with access to the company's AI Agent system.

Still, this future integration promises to reconfigure how Indians engage with both AI and digital payments, combining ease with innovation. Upon launch, it may be among the most innovative fintech features of the decade — putting India at the forefront of AI-powered financial technology.