Reimagining Merchant Experience with the Razorpay Agentic Platform

We have spent years perfecting the technology that moves money. But while the infrastructure became world-class, the experience of managing it remained operationally heavy. 

For many businesses, payments are still a manual grind; multiple teams, complex workflows, endless documentation, and constant developer dependencies. We spent years perfecting that system, but the arrival of AI forced us to sit with a difficult truth: If AI can understand intent, context, and nuance, why should a founder have to learn our internal processes?

Almost every piece of software ever built runs on instructions: Click this. Go here. Configure that. We just decided that era is over.

Today, we are introducing an entirely new experience: Razorpay Agentic Platform, a re-imagined merchant experience from onboarding to integration to analytics. This AI-native system is designed to understand your intent, reason through complexity, and take action on your behalf across onboarding, integration, analytics, and support.

A New Design System: RazorSense

Reimagining the platform meant moving beyond static dashboards. To do this, we built this new world on RazorSense, a design system engineered specifically for an agentic environment. RazorSense allows the platform to act as a living, breathing assistant that anticipates your needs rather than waiting for a command.

Onboarding: The End of the Paper Trail

We’ve fundamentally changed how businesses enter the financial system. Historically, onboarding was a long process  of forms and document uploads.

Now, the process is conversational and near-instant. By providing just your PAN, the platform validates your identity against government infrastructure and CKYC records in real-time. There are no dropdowns or manual selections; if you drop in your website URL, the system auto-identifies your business category. What used to take days in 2010, Razorpay simplified and brought it down to hours in 2017. Now, we are re-inventing ourselves once again to enable merchant onboarding in minutes.

Razorpay Integrations: Built for the Speed of “Now”

Integration has traditionally been the biggest hurdle for new businesses. We used to consider a  five-hour integration the gold standard, but in a world where groceries arrive in minutes, five hours feels broken.

Razorpay Agentic Integration removes the extra development effort required to integrate payments. Instead, once you’re onboarded, the platform auto-detects how you’ve built your app or website, regardless of whether you’re building on Claude Code, Replit, Emergent, a custom stack, or a framework that came out last Tuesday. You can start receiving your first payment in minutes: we provide a simple prompt to connect your stack, paste the code, and you’re live. It adapts to you, so you don’t have to adapt to it.

The Agentic Dashboard: A Control Center that Acts for You

While payments create revenue, they can also increase the manual work and operations you have to deal with. Customer escalations, reconciliation, and edge cases can eat up a founder’s entire day. We’ve reimagined the dashboard to move from a place where you download, manipulate, or verify data to a place where you make decisions.

Here is what it looks like when your dashboard works for you:

• Intelligent Reconciliation: Instead of going line-by-line matching bank statements to settlements, you can simply upload a screenshot of your bank statement. The agent extracts UTR numbers and amounts instantly, cross-referencing them against Razorpay records to flag discrepancies before your morning coffee gets cold.
• Active Revenue Recovery: If a customer messages you about a failed payment, you can upload a screenshot of their complaint. The agent finds the transaction, identifies why the bank declined it, and suggests a fix, such as  generating a WhatsApp payment link in one click.
• Autonomous Guardrails: You can now set rules that protect your revenue while you sleep. Tell the agent: “Set this up automatically for all future failed transactions,” and the system will auto-trigger recovery flows whenever high-value payments drop.

Expanding the Ecosystem: The Agentic Marketplace

As the Razorpay Agentic Platform provides the intelligent foundation for your business, we’ve also created a space for specialized agents to solve your most specific operational headaches.

The Razorpay Agentic Marketplace is a curated hub where you can find purpose-built agents designed for advanced revenue recovery, dispute management, and collection strategies. Even as the platform learns your business, these agents bring specialized expertise to your team.

The Future of Autonomous Commerce

With the Agentic Platform and Marketplace, managing payments is no longer about juggling systems or filing support tickets. Instead, your tools work with you, streamlining operations and reducing guesswork. What once took hours or required multiple teams can now happen almost effortlessly, letting you focus on growing your business.