Meet the Future of Payments: Every Innovation Unveiled at FTX 2025

At Razorpay, we don’t just imagine the future, we build it.

And at FTX 2025, we showcased what the future of payments looks like—an ecosystem designed for those who dream, dare and disrupt.

We’ve always believed that payments should do more than just move money—they should fuel your growth, elevate your customer experience, and help you stay ahead of the curve. That’s why every launch and feature update at FTX 2025 is focused on one thing: helping you build smarter, faster, and more scalable businesses.

From revolutionizing your checkout experience to transforming in-store transactions, from simplifying cross-border payments to unlocking the full potential of AI to unlock a new realm of commerce, our new features and products don’t just improve your money flow—they supercharge it.

Whether you’re a small business making waves or a global enterprise scaling at lightning speed, we’ve got you covered.

Let’s take a look at how we’re redefining the way businesses operate and grow—one product at a time.

We’ve Supercharged the Buyer Experience – Online and In-store

In today’s world, shoppers expect speed, convenience, and zero hiccups at checkout—whether they’re online or in-store. At Razorpay, we continue to refine the checkout experience with innovations that make payments effortless. Whether you’re selling online or ringing up sales at the counter, our solutions are designed to keep your customers happy and your sales soaring.

Say Hello to The Future of Checkout: Seamless, Fast, and Frictionless

We launched Razorpay Buyer Protection, ensuring post-purchase resolutions for defective products, quality concerns, and delivery issues. This sets the new standard in fulfilment guarantees, increasing prepaid share by 35%, boosting conversions by 30%, and driving 37% more add-to-cart.
We’ve taken security to the next level with Biometric Authentication, enabling fast, secure transactions through device-based biometrics. This streamlined, touch-based verification process increases completion rates and ensures a frictionless experience for users.
Razorpay OTP Assist automates OTP retrieval and submission, eliminating expired codes and app-switching. This smooths the checkout process, boosts transaction success, and helps businesses capture more revenue.
Unlock the power of mobile commerce with the Razorpay Magic Checkout and Appmaker integration, transforming your Shopify store into a high-performance mobile app. This partnership delivers lightning-fast checkouts, tailored payment options, and enhanced customer engagement, boosting conversion rates by up to 50%, reducing cart abandonment, and creating personalised brand experiences that keep customers coming back for more.
With Partial COD, you can combine the flexibility of cash on delivery with security of upfront payments. This reduces cancellations, lowers RTO rates, and drives higher conversions, making COD a win-win for businesses.
You can launch your online store effortlessly with Razorpay Storefront, allowing you to go live in minutes with built-in Magic Checkout, 100+ payment options, and you can share your products effortlessly making it easy to promote items through WhatsApp, social media, or email.
For returning customers, QuickBuy offers a 1-click order experience that automatically fills in addresses, payment methods, and discounts, speeding up checkout by 40% and increasing conversions.
Multi-Coupon functionality empowers businesses to offer multiple discounts in a single transaction, increasing average order values and strengthening customer loyalty.
Checkout Customization puts businesses in control of their checkout experience. Tailor themes, language preferences, and real-time messaging to match your brand, driving conversions and building customer trust.
We’ve enhanced Magic Checkout on Shopify, offering data pre-fill, gamified promotions, and intelligent COD risk management. This seamless solution ensures faster transactions, reducing drop-offs and improving sales.
Boost conversions with Side Cart, which turns the traditional shopping cart into a powerful revenue-generating tool. Featuring real-time discounts, personalized upsells, and milestone-based rewards, it enhances average order value and minimizes cart abandonment. Fully integrated with platforms like Shopify, it ensures a seamless, engaging shopping experience while helping businesses maximize revenue.
Log-in with Razorpay simplifies authentication across multiple stores, improving customer insights, reducing cart abandonment, and driving repeat purchases.
Empower users who can’t pay online themselves with Razorpay’s Pay on Behalf. This feature lets buyers assign the final payment step to a trusted payer, enhancing accessibility, reducing reliance on Cash on Delivery (COD), and enabling seamless digital transactions.

And Your In-Store Payments Supercharged for Speed and Success

We launched Growth DQR, a revolutionary digital engagement center that consolidates 5 devices into one. It enhances the payment experience with live discounts, customised offers, and a premium look, increasing sales by 30% while reducing operational costs and CAPEX. It’s not just a QR code—it’s your counter’s new revenue engine.
Say goodbye to slow checkouts with the Smart Dock. Designed for uninterrupted transactions, it features smart switching technology that seamlessly shifts to the best available internet connection within milliseconds. Coupled with continuous power backup, it ensures lightning-fast payments, even during Wi-Fi outages.
Brand QR lets you take complete control of your brand’s identity at the checkout counter. In just three easy steps, you can design a payment experience that perfectly complements your store’s ambiance, ensuring that every touchpoint resonates with your brand’s essence.
Eliminate downtime with India’s first Self-Healing POS, which automatically detects and fixes issues in real-time. For rare cases requiring attention, Self-Troubleshoot offers easy, step-by-step guidance—ensuring uninterrupted payments and keeping your business running smoothly.
Stay in command with Razorpay POS Command Center. Monitor multiple POS devices across locations in real time, receive proactive alerts, and troubleshoot issues instantly ensuring uninterrupted payments and optimized performance.

We’re reimagining the way enterprises handle payments

Enterprises don’t build their own CRM or cloud infrastructure—so why should they build their own payments stack? Managing payments at scale is complex, costly, and time-consuming, forcing businesses to create an in-house payments team just to keep things running.

Today we launched Razorpay’s Payments as a Service (PaaS), for India’s super-enterprises. They’ll now get a dedicated extended payments team—one that designs, integrates, maintains, and troubleshoots payments in real time. Whether it’s handling surges during flash sales, rerouting failed transactions instantly, or ensuring seamless refunds, we take care of it all.

For India’s super-enterprises, this means:

Bespoke payment solutions tailored to unique needs
Real-time monitoring & optimisation to prevent revenue loss
Up to 80% cost savings on payments management

And for Quick commerce brands, we are making high-value purchases a lot more accessible with EMI² by Razorpay POS! Now, instant delivery platforms can offer Brand EMI and Full-Swipe Offers, bringing the same affordability customers enjoy in retail and e-commerce. Merchants can unlock higher sales, faster settlements, and automated reconciliation—all with a single integration.

We’re Upgrading the Core of India’s Go-To Payment Methods

We’re fortifying the foundational infrastructure of India’s most popular payment methods—UPI and Cards—by bringing cutting-edge innovations to the table. With Razorpay’s latest updates, both systems are now faster, more secure, and easier to use, ensuring smoother transactions and enhanced trust for your customers.

UPI innovations that will power your business at scale

Empower your business with real-time control, enhanced payment success rates, and zero downtime with Razorpay’s UPI Switch. Experience sub-100ms latency and the ability to handle 10,000 transactions per second, ensuring a smooth and scalable payment process for your customers. With the addition of Axis Bank as our second banking partner, we’re taking UPI transactions to the next level—making it even easier for you to drive growth and maximize efficiency. Enjoy a truly optimized UPI experience designed to scale with your business needs.
Launch UPI apps rapidly using TPAP Pro. Integrate quickly with this end-to-end stack, going live in under a month. Benefit from real-time routing across multiple banks to ensure uninterrupted payments and increased visibility on Razorpay’s checkout, all while we handle the infrastructure.
Reimagine UPI transactions with Contextual Payments. Connect merchant and issuer banks to deliver personalised, real-time discounts, flexible payment options, and seamless service discovery directly within the UPI flow, enhancing every transaction with contextual insights.
Accelerate payment speed with Turbo UPI. Achieve a 5x faster, one-step payment experience, eliminating redirections and boosting success rates by 10%. With an in-house SDK, gain enhanced control, security, and full visibility, enabling businesses to go live within a week with 100% data security.

Card payments that are a swipe above the rest

With Razorpay Push Provisioning, we’re making it easier than ever for customers to unlock offers just by saving their credit card in their bank’s app. No more re-entering details—just a simple, frictionless experience that helps businesses reach the right customers and build loyalty with ease.
Biometric Authentication with Mastercard is all about convenience and security. Forget the hassle of OTPs—now, payments are authenticated with a quick fingerprint or facial scan. It reduces fraud by 35%, makes checkouts faster, and delivers a smoother experience for everyone. Merchants see higher conversion rates, while customers enjoy faster, secure transactions.
Then, there’s PayWithPartner – Device Tokenisation. Now, when customers use their CRED tokenised cards, they can pay across multiple Razorpay merchants instantly—no need to save card details repeatedly. It’s fast, safe, and makes the whole checkout process simpler.
And finally, Razorpay’s ACS & Risk Engine ensures higher success rates and reduced fraud, delivering a seamless and consumer-first experience. Built for speed, security, and success, Razorpay ACS lets you integrate 4x faster, and has delivered 95% authentication success rate and 99.99% uptime for uninterrupted transactions.

We’re not just taking India to the world, but also the world to India

Whether you’re a freelancer, an e-commerce exporter, or a global business eyeing the Indian market, we’ve made international payments effortless. Here’s how we’re helping you break boundaries and grow without limits:

Enable freelancers to accept international card payments effortlessly. With our International Card Payments for Freelancers, they can now onboard in just one day and start accepting cards and bank transfers on a single platform—no more struggling with costly alternatives or complex setups.
Boost your global e-commerce success with MoneySaver Export Account. As the first Amazon-approved Indian payment aggregator, Razorpay empowers Indian exporters on Amazon’s Global Selling program to collect international payouts seamlessly. Say goodbye to high FX charges, long settlement times, and limited support. Enjoy ZERO FX markup, 24-hour settlements, and 24×7 India-based support—all while staying compliant with Shipping Bill regulations.
Maximise your international payment success with SmartAccept. This intelligent solution optimises messaging, uses intelligent routing, and leverages Razorpay’s in-house card switch to ensure high availability and scale. With smart retries, SmartAccept boosts your success rates by up to 10%, turning failed payments into completed sales.
Stay compliant effortlessly with Razorpay’s Compliance Suite for Exporters. From applying for or renewing your Importer Exporter Code to automatically regularising shipping bills through APIs, we’ve made compliance simple. Access automated FIRS/FIRC on your dashboard, calculate import duties in real-time, and file Softex with ease—keeping you compliant with RBI guidelines. Spend less time on paperwork and more on growing your export business.
Expand into India effortlessly with Razorpay Import Stack. Now, global businesses can accept UPI payments and all major cards from Indian customers and settle directly in their international accounts—without needing a local entity. Collect payments in INR, get support for subscriptions, and enjoy best-in-class success rates, all while delivering a seamless, compliant payment experience. The world’s largest market just became more accessible.

We’re making every marketing rupee work even harder

With Razorpay Engage, we’re giving businesses smarter ways to attract, retain, and reward customers, turning every interaction into an opportunity for growth. Because keeping customers hooked isn’t just about the first purchase—it’s about building lasting relationships. And here’s everything we launched for Razorpay Engage….

Boost engagement with Offers Engine—create and manage offers across multiple prepaid payment methods, reduce redundancy, expand advertiser reach, and drive higher top-of-funnel traffic seamlessly.
Retain customers our omni-channel retention and engagement suite—power brand wallets, automate rewards, enable smart refunds, and gamify experiences across mobile, web, and in-store channels with Razorpay-powered integrations.
And reimagine gifting with a next-gen Gift Cards Platform—customize redemption rules, apply segment-based discounts, create product-specific cards, prevent fraud with AI, and manage everything with a one-click dashboard. At FTX we announced our partnership with Apple Premium Reseller, Lenskart, and Blinkit to power their gift cards.

AI is here…and it’s changing the way you look at payments

At FTX last year, we launched RAY — your all-in-one Payments Assistant. It solved payment issues in seconds, offering product suggestions, explaining failures, and delivering personalized updates. Today, we take RAY even further with new AI-powered innovations, making payments smoother than ever.

Onboarding just got 10x faster and smoother with the all-new RAY Concierge. We’ve already made onboarding simpler by reducing paperwork, but now, thanks to AI, it’s instant. Upload your documents, and our AI does the rest—analyzing your website, extracting business and banking details, and filling out the form for you.
With RAY Co-Pilot, we’ve made integration even more seamless. Now, all you need to do is tell Co-Pilot what you need, and it will generate the code, test the setup, and seamlessly integrate it into your system. No more manual testing, no more headaches—just an effortless integration experience.
Payments are no longer a separate step in the checkout process. Thanks to RAY Agentic AI Toolkit, your AI assistant will handle the entire transaction inside the conversation—without redirecting you to a checkout page or asking you for an OTP. It’s a truly seamless, frictionless payment experience. And the best part? Businesses can customise it to their needs—whether it’s enabling instant refunds or building their own AI-powered dashboards.
Supercharge your finance team with RAY for Business Banking+. Automate transactions, streamline reconciliations, and simplify compliance—eliminating inefficiencies and manual effort. With real-time insights and predictive intelligence, RAY transforms finance from a back-office function into a strategic powerhouse.

With Razorpay X, we’ve taken the hassle out of Business Banking

Issue supplementary cards at zero cost, set custom spending limits, and effortlessly manage recurring subscriptions with the RazorpayX Corporate Card. The auto-reconciliation dashboard saves time and reduces manual tracking for your finance team.
Prevent duplicate payments with RazorpayX DuplicateShield. This AI-powered solution detects duplicate debits before they happen by analysing transaction details and learning from past patterns, ensuring accurate payouts every time.
Streamline payouts with RazorpayX DirectToPhone Payouts. Instantly transfer money using only a customer’s name and phone number, eliminating the need for UPI IDs or bank details. Simplify payouts across UPI, IMPS, NEFT, and RTGS, reducing errors and compliance issues.
Track incoming payments effortlessly with RazorpayX Smart Collect 2.0. Reconcile payments from multiple channels, including NEFT, RTGS, IMPS, and UPI, using unique customer identifiers and virtual UPI IDs. Instantly send payment confirmations to customers for smooth operations.
Revolutionize payroll management with RazorpayX Payroll Engine 2.0’s Explain My Payslip. This AI-powered assistant offers real-time, context-aware answers to payroll queries, streamlining payroll tasks and delivering personalized explanations based on your organization’s setup.
Make smarter decisions with RazorpayX Smart Insight Generator. Our AI-powered assistant in the RazorpayX business banking suite delivers actionable insights, predictive alerts, and deep financial analysis—powered by natural language processing and advanced data visualization. Make smarter, faster decisions with ease.
And finally, we launched RazorpayX Source-To-Pay’s new Budgeting & Vendor Verification features, designed to tackle the persistent inefficiencies in Accounts Payable (AP). The Budgeting module empowers finance teams to track every rupee, assign department and project-specific budgets, and gain real-time spending visibility—all within a single system. Meanwhile, the Vendor Verify module streamlines vendor onboarding by automating document verification and compliance checks, reducing onboarding time from weeks to hours and minimizing fraud risks. These updates enable faster closures, smarter decisions, and improved cash flow management—empowering finance teams to focus on strategy, not firefighting.

And you can stay on top of your business’ finances, effortlessly…

Streamline your business finances with Razorpay’s Unified Financial Console—one login, one seamless experience. Say goodbye to juggling multiple platforms and disconnected data. Now, you get a centralized view of your payments, payouts, banking, and cash flow trends, all in one place. Track revenue from online and offline sales, manage vendor payouts effortlessly, and gain clear, actionable insights to help you scale faster and smarter. This isn’t just a dashboard—it’s the future of business finance.

To sum up…

At Razorpay, we are relentlessly committed to shaping the future of payments and empowering businesses to thrive in a rapidly evolving digital world. The innovations we featured at FTX 2025 is a testament to our mission to help businesses with all things money movement —whether online, in-store, or across borders.

As we look ahead, we are more committed than ever to transforming how businesses operate—whether you’re a freelancer, an e-commerce giant, or a global enterprise. Razorpay is here to make payments faster, smarter, and more accessible than ever before. With our innovative solutions and AI-powered advancements, we’re excited to be your partner in navigating the future of commerce, ensuring your business not only survives but thrives in the ever-evolving digital economy.

Let’s shape the future of payments together. One payment at a time.