Over the past decade, India’s digital payments ecosystem has evolved rapidly. Real-time payment rails, widespread digital adoption, and regulatory innovation have made transactions fast, reliable, and highly scalable. Platforms like Razorpay have played a key role in enabling this shift, helping millions of businesses digitize commerce and build on a robust payments infrastructure where success rates are high and digital acceptance is mainstream.
However, payments are only the execution layer of commerce.
Financial performance depends on everything that happens around the transaction, including dispute management, reconciliation, failed payment recovery, refunds, payouts, and many more. These workflows span multiple systems and require teams to continuously monitor data from payments platforms, order systems, customer communication tools, and accounting software.
Today, we are taking a step toward closing that gap with the launch of Razorpay Agent Studio, enabling businesses to build and deploy AI Agents to manage their payments, and post payment operations.
Built on Anthropic’s Claude Agent SDK, the Agentic Studio introduces a reality where a business can deploy a workforce of autonomous agents designed to observe, reason, and execute complex financial operations on your behalf.
Access Razorpay Agent Studio
Build intelligent payment agents that monitor transactions, manage disputes, recover failed payments, and automate post-payment operations.
Launching Pre-Built Agents for your Business
We are debuting the Agent Studio with a suite of specialized agents. Each is designed to solve a specific, high-friction operational bottleneck that currently requires manual oversight.
Dispute Responder: Auto-responds to chargebacks with optimized evidence to maximize dispute win rates.
Subscription Recovery: Analyzes failed subscription payments, apply smarter retry logic, and trigger targeted customer nudges.
Abandoned Cart Conversion (Powered by SuperU): Identifies abandoned carts and re-engage customers via WhatsApp or email with personalized nudges and offers.
Abandoned Cart Conversion (Powered by Nugget by Zomato): Identifies abandoned carts and re-engage customers via WhatsApp or email with personalized nudges and offers.
Cashflow Forecaster: Predicts cash position 3–7 days ahead with alerts for payroll risk, shortfalls, and payout failures.
RTO Shield: Detects high-risk COD orders before dispatch using LLM address validation and bad pincode intelligence.
RTO Insights: Analyzes RTO patterns across pincodes, products, and customers to identify preventable return drivers.
Settlement Insights: Sends a daily settlement summary via WhatsApp to track payouts without checking dashboards.
Deploy AI Agents for Your Payment Workflows
Automate disputes, recover failed payments, forecast cashflow, and manage operational workflows using Razorpay Agent Studio.
The Roadmap: Building the Future of Commerce
This launch marks the beginning of a broader shift in how businesses operate their financial stack. Rather than introducing a standalone set of tools, we are building a platform for payments intelligence.
Agent Studio launches with a suite of core agents designed to optimize critical payment workflows, including dispute management, failed payment recovery, and operational monitoring. These agents work directly on top of the Razorpay stack, continuously observing signals across your financial workflows and taking action to protect revenue and reduce manual overhead.
Alongside these agents, we are introducing a No-Code Agent Builder (beta) that will enable operations and finance teams to create custom agents tailored to their business logic, internal processes, and KPIs. Instead of relying on rigid automation or engineering bandwidth, teams will be able to define workflows, guardrails, and triggers that agents can execute autonomously.
Over time, Agent Studio will also evolve into an open ecosystem for developers and fintech partners. Third-party builders will be able to create and publish specialized agents, from industry-specific fraud detection systems to automated tax reconciliation tools, enabling businesses to discover and deploy intelligence tailored to their unique operational needs.
Together, these capabilities lay the foundation for a new category of financial infrastructure: an ecosystem where intelligent agents continuously optimize how commerce operates.
Shape the Future with Us
Ultimately, the next competitive edge in business is the ability to operate at the speed of thought. By removing the manual friction from the financial stack, we are enabling businesses to focus on what they do best: building products and serving customers.
And this is why we are opening up these capabilities to you. If your business is ready to move beyond manual workflows, we want to help you build the intelligence you need. Whether you want to deploy our existing agents or have a vision for a custom agent unique to your industry, we invite you to join us. We also invite you to register for our upcoming Builder Day.
Build Your Own Payment Intelligence Agents
Join early adopters building intelligent payment operations with Razorpay Agent Studio and deploy AI agents tailored to your workflows.
