NPCI, in partnership with Razorpay and OpenAI, is testing a new UPI-based payment feature within ChatGPT. Users will soon be able to make seamless purchases through AI-powered conversations.
In a groundbreaking move, the National Payments Corporation of India (NPCI), Razorpay, and OpenAI have come together to integrate UPI payments into ChatGPT. Currently under pilot testing, this innovation aims to redefine how users shop online—allowing secure, AI-driven transactions directly through ChatGPT.
ChatGPT to Enable Payments via UPI
NPCI, in collaboration with fintech firm Razorpay and Microsoft-backed OpenAI, has introduced an AI-powered payment system within ChatGPT. This pilot initiative will allow users to make payments using India’s Unified Payments Interface (UPI) directly through chat-based interactions.
Axis Bank and Airtel Payments Bank are the initial banking partners in this trial phase. Meanwhile, Tata Group’s BigBasket will be the first platform where customers can shop and complete payments through ChatGPT, marking a new milestone in digital commerce.
OpenAI’s Perspective on the Partnership
Oliver Jay, Director of International Strategy at OpenAI, shared his excitement about the initiative. He stated that the collaboration with NPCI aims to blend AI and UPI to create a new era of secure, convenient e-commerce. He added that this partnership could become a global example of how conversational AI and financial technology can converge seamlessly.
Payments through Wearable Smart Glasses
NPCI has recently launched several UPI-related innovations, including the introduction of UPI Lite for wearable smartglasses. With this feature, users can scan a QR code and issue a simple voice command to complete a payment—no phone or PIN required.
Developed for small, recurring transactions, UPI Lite minimizes dependency on traditional banking infrastructure. NPCI described this initiative as a major leap towards effortless, ambient payment experiences in India.
Read also: UPI: You can transfer money without a PIN in UPI! A handy biometric method!
