Running a business demands constant clarity, but getting real-time operational insights often means stepping away from daily execution to navigate multi-layered dashboards, adjust date filters, and export reports.
Today, in partnership with IndusInd Bank, and with early partners like Bajaj Finance live on the platform. Razorpay introduces RAY: an always-on, intelligent AI Account Manager built right into WhatsApp. RAY eliminates the learning curve of navigating different user interfaces, allowing founders to manage payment operations, trigger critical actions, and extract performance intelligence through simple, natural conversation.
Operating at the Speed of Conversation
Founders shouldn’t have to navigate complex software to get straight answers about their revenue. With RAY, interacting with your financial infrastructure is as simple as sending a text or recording a quick voice note in English or Hindi.
Instead of opening a laptop to parse dashboard analytics, RAY puts full operational control in your pocket:
| Operational Task | Traditional Dashboard Workflow | The RAY Conversational Experience |
| Performance Tracking | Log into portal, set date parameters, export CSV summaries. | Send a voice note: “Show me a summary of my payments from yesterday.” |
| Revenue Recovery | Manually flag failed transactions, build and copy payment links. | Text RAY: “Send payment links to all customers with failed transactions today.” |
| Cash Flow Control | Cross-reference bank schedules against regional holiday calendars. | RAY proactively nudges: “Your ₹94,600 settles Wednesday. Tuesday is a bank holiday. Settle today?” |
Tackling the Toughest, Most Complex Questions
RAY goes far beyond surface-level transactional commands or basic status checks. It is engineered to process multi-layered business queries by connecting directly into Razorpay’s underlying risk, payments, and data intelligence engines.
Multi-Month Predictive Analytics
When planning inventory or forecasting cash flow, you need deep trend analysis. You can ask RAY:
“Analyse my payments from the last two months and project my sales for the next two months.”
RAY parses historical volume patterns, seasonal fluctuations, and gateway success rates, delivering a synthesized forecast and actionable guidance directly within your chat thread.
Root-Cause Diagnostics & Anomaly Detection
When payment volumes shift unexpectedly, diagnosing the cause manually requires cross-referencing bank gateway uptime, customer drop-off points, and payment method failure rates. RAY continuously monitors your account health behind the scenes:
- Pinpoints Hidden Friction: Instantly identifies whether a dip in conversion is tied to a specific card network, bank downtime, or checkout drop-off.
- Drives Automated Resolution: Triggers background fixes, opens high-priority system tickets, and reroutes flows without requiring you to manage the technical troubleshooting yourself.
Secure, Real-Time Execution
Managing business operations on a messaging app requires enterprise-grade security. RAY integrates authentication directly into the chat flow via a seamless, tap-to-open security verification link. This allows founders to issue refunds, clear settlements, and manage core account settings safely inside WhatsApp without breaking the conversational momentum.
By shifting from reactive dashboard checks to proactive, conversational intelligence, RAY gives founders a dedicated partner watching their operations around the clock.
Run your business > Operational tasks
Running a business carries enough friction without the added job of being your own account manager. RAY quietly removes that cognitive load, acting as an always-on co-pilot that monitors your revenue, catches anomalies, and executes fixes before they become fires. It ensures that you have a dedicated partner looking out for your bottom line around the clock, freeing you to focus entirely on building your product and serving your customers.
