ChatGPT will soon pay for you! India’s AI payment pilot set to go live: What it means for users | Mint
In a pioneering move, OpenAI has teamed up with India’s National Payments Corporation (NPCI) and Razorpay to pilot a system that allows users to transact via ChatGPT using UPI. The trial, launched on 10 October 2025, integrates “agentic AI” capabilities so the chatbot can not only suggest and explore products but also finalize payments inside the conversation. To safeguard user funds, the system uses UPI’s new “Reserve Pay” feature, which reserves money ahead of purchase until the transaction is confirmed. Axis Bank and Airtel Payments Bank are the banking partners, while BigBasket is among the first merchants in the pilot. The trial will test security, user trust, and practical viability. Meanwhile, India’s fintech space is racing ahead: Cashfree has announced its own AI-driven payments product, and OpenAI has hinted at more features—like a possible “Clinician Mode”—on the horizon.
The Key points
- ChatGPT will support direct UPI payments via a pilot in India.
- The system uses agentic AI, letting ChatGPT act autonomously.
- UPI’s Reserve Pay ensures funds are held securely until confirmation.
- Axis Bank and Airtel Payments Bank are official banking partners.
- BigBasket is one of the first merchants in the pilot.
- The trial aims to test safety, adoption, and user experience.
- NPCI, Razorpay, and OpenAI are jointly executing the experiment.
- India is becoming a battleground for AI-powered payment innovations.
- Competitors like Cashfree have also rolled out AI-payments systems.
- OpenAI hints at new additions, such as a “Clinician Mode,” in future updates.
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