Gnani.ai and Razorpay launch agentic AI platform for in-call UPI payments

Key facts

• Gnani.ai and Razorpay have partnered to launch an agentic AI collections platform that can complete Unified Payments Interface (UPI) transactions during live customer calls.
• The platform utilizes Razorpay’s Model Context Protocol (MCP) server to connect AI agents directly to payment infrastructure for real-time transaction initiation and tracking.
• The system currently supports two payment flows: one-time UPI payments and mandate-based UPI SBMD, also known as Reserve Pay, for recurring obligations.
• Gnani.ai’s voice AI systems support conversations in more than 38 languages and currently handle over 10 million calls per day.
• The partnership builds on previous work by Razorpay with the National Payments Corporation of India (NPCI) and OpenAI to integrate UPI payments within chat interfaces like ChatGPT.
• Security protocols ensure that customer payment details do not pass through the voice AI system and are processed exclusively through Razorpay’s infrastructure.
• The platform allows AI agents to assess customer intent, generate transaction-specific payment links, and confirm receipt during the same interaction.