INDIA, New Delhi – 20th February 2026: Razorpay and National Payments Corporation of India (NPCI) have now made it possible to shop with AI by bringing Agentic Payments to Claude. Unveiled at the India AI Impact Summit, the platform is in the pilot phase with a small group of users. The offering will allow people to order food, groceries, and everyday essentials from Zomato, Swiggy, and Zepto – all without leaving the conversation.
AI assistants are increasingly shaping how people discover and compare products. This platform, built on Claude, integrates a crucial element of payments directly into the agentic experience, enabling Claude to securely complete transactions on a user’s behalf – so payment happens seamlessly within the conversation. A demonstration of the offering was showcased at the AI Impact Summit.
This new experience simplifies the entire journey, allowing users to ask “What should I order?” to Claude, confirming “It’s on the way” within a single, uninterrupted conversation. It avoids the need for app switching or repeated payment approvals, while also reducing interruptions in the checkout process, and is supported by UPI Reserve Pay. By embedding payments directly into AI-led journeys, it introduces a new way for everyday commerce to take place across high-frequency categories like food, grocery, and quick delivery.
This partnership brings together Razorpay’s Agentic Payments, NPCI’s UPI infrastructure, and Claude’s conversational intelligence to unlock a new model of AI-native commerce. Backed by UPI Reserve Pay, users can approve a single spending limit for a merchant and then make multiple secure purchases without repeated PIN prompts, while retaining full control through real-time visibility, flexible limits, and instant consent revocation. It offers a simple and secure way to pay, with features that support transparency and user control.
For example, a user can go to Claude and order food from Zomato by simply saying, “I am craving for a mid-evening samosa & chai. Can you order this for me & my team from my favourite restaurant at my office?” The AI agent checks the options on Zomato, presents the same, and, with a single confirmation, places the order through Razorpay’s UPI-powered Agentic Payments on Reserve Pay, all without breaking the conversation. AI doesn’t just execute commands; it understands intent and context.
Another instance, a user can ask Claude, “Order dinner for two under ₹1000 from a highly rated restaurant. I’m craving Italian food today”. The AI agent can identify the best Italian options on Swiggy and also factor in past preferences, whether that’s pasta, pizza, or ravioli, and add items to the cart and place an order on the user’s behalf. The same conversational flow extends to grocery and quick-commerce orders on Zepto, making everyday decisions actionable with AI. A user can simply say, “Order a Diet Coke and my favourite Lays chips from Zepto before the World Cup match starts,” and the AI agent takes care of the rest from discovery to checkout, turning everyday decisions into instant action.
India is well‑positioned to support this transition. With UPI’s real-time, mandate-enabled payments foundation, the country has the technical and regulatory rails required for AI agents to transact on behalf of users in a secure, consent-driven manner. Combined with India’s high-frequency digital habits, especially in food and grocery, this creates the ideal environment for agent-led commerce to scale quickly and responsibly. Together, this makes India one of the few markets globally where AI, payments, and consumer trust are aligned at a population scale, allowing agentic commerce to become a reality.
Commenting on the launch, Harshil Mathur, CEO & Co-Founder, Razorpay, said, “AI shouldn’t stop at recommendations – it should finish the job. We’re excited to partner with Anthropic’s Claude and NPCI to bring this vision to life. Today, the real challenge with AI-led commerce isn’t intelligence – it’s trust. By combining UPI’s consent-based model with Razorpay’s payments infrastructure, we’re making it possible for AI agents across India to transact in a way that’s transparent, reversible, secure, and firmly under user control. We believe this is what frictionless, user-controlled commerce should look like.”
Sohini Rajola, Executive Director – Growth, NPCI, “UPI was built to make digital payments simple, secure, and universal, and Agentic Payments takes that vision into the next era. With UPI Reserve Pay, users can give consent once and allow intelligent systems to transact on their behalf in a controlled, transparent way.”
Building on its long-term commitment to AI-led fintech innovation, Razorpay remains focused on reimagining how intent translates into economic action. This vision was underscored at GFF 2025, where Razorpay launched an industry-first partnership with National Payments Corporation of India and OpenAI – marking an early and decisive step in advancing agentic, AI-driven payments in India.
Together, these collaborations underscore Razorpay’s belief that conversational AI and instant payments will shape the next era of AI-native, trust-led digital commerce in India and beyond.
