Razorpay Agentic Payments: UCP and ACP Integration

Razorpay Agentic Payments is India’s first AI-powered conversational payment solution. It sits behind your UCP and ACP checkout endpoints as the payment execution layer — customers authorise a spending limit once upfront, and subsequent AI-initiated payments within that limit complete without a PIN or redirect. This makes it the right PSP choice for any Indian merchant implementing agentic commerce.

How Razorpay fits UCP and ACP

The payment flow is the same whether the session originates from Google AI Mode (UCP) or ChatGPT (ACP) — your backend calls Razorpay after the protocol layer confirms the purchase:

AI Agent
  │
  ├─ UCP: POST /ucp/checkout        (creates cart)
  ├─ ACP: POST /acp/checkout/complete  (confirms purchase)
  │             │
  │             └─ Your backend calls Razorpay
  │                  └─ UPI / Razorpay Agentic Payments processes payment
  │
  └─ Order confirmed

For UCP flows (Google AI Mode): When an agent initiates checkout via your UCP endpoint, your backend calls Razorpay’s agentic API using the customer’s pre-authorised UPI mandate. For ACP flows (ChatGPT): When the confirm_purchase tool fires, your backend triggers a Razorpay Agentic Payment within the customer’s authorised limit — no additional PIN required.

End-to-end integration

Razorpay Agentic Payments is currently available to Indian merchants through an early-access programme.

Confirm your use case: in-merchant app assistants or conversational commerce (for example, a grocery app with an AI assistant)
Sign up at razorpay.com/m/agentic-payments
Review Razorpay’s API documentation once access is granted
Ensure your product feed and checkout endpoints are agent-ready — see Feed Specs and UCP Getting Started

Implement one-time authorisation (UPI mandate)

When a customer opts into AI-assisted shopping, prompt them to authorise a spending limit. This creates a UPI mandate that your backend stores and reuses for subsequent AI-initiated payments.

// Create a UPI mandate / authorisation
const mandate = await razorpay.recurringPayments.createMandate({
  type: 'upi',
  max_amount: 500000, // ₹5,000 in paise
  description: 'AI Shopping Assistant — authorise up to ₹5,000',
  customer_id: customer.razorpay_id,
  notify: { sms: true }
})

// Store mandate.id against the customer for reuse
await db.customers.update(customer.id, { razorpay_mandate_id: mandate.id })

Surface clear consent language to the user at this step:

What they are authorising
The maximum spend limit
How to view and revoke the mandate

Execute payment in your checkout handler

When the AI initiates a payment within the authorised scope, look up the customer’s mandate and call Razorpay:

// POST /ucp/checkout/:id/confirm  or  POST /acp/checkout/:id/complete
async function completeCheckout(checkout, customer) {
  const mandate = await db.customers.getMandateId(customer.id)

  if (!mandate) {
    // Customer hasn't authorised — require a payment method
    return { error: { code: 'no_mandate', message: 'Please authorise AI shopping first.' } }
  }

  // Execute payment via mandate
  const payment = await razorpay.payments.createWithMandate({
    mandate_id: mandate,
    amount: checkout.total_paise,
    currency: 'INR',
    description: `Order ${checkout.id}`,
    notes: { checkout_id: checkout.id }
  })

  return { order_id: checkout.id, payment_id: payment.id, status: 'confirmed' }
}

Never execute a payment above the customer’s authorised limit. Validate checkout.total_paise <= mandate.remaining_limit before calling Razorpay.

Payment token flow

The payment token (mandate ID) ties the customer to their authorised spending limit across sessions. Store it securely server-side and never expose it to the client.

Token field	Where it comes from	How long it lasts
`mandate.id`	Razorpay mandate creation response	Until the customer revokes it
`payment.id`	Each individual payment execution	Per-transaction reference

When a mandate is revoked or expires, clear it from your database and prompt the customer to re-authorise the next time they use AI checkout.

Trust, compliance, and India-specific considerations

Razorpay is an RBI-authorised payment aggregator. Your integration must comply with both Razorpay’s terms and RBI guidelines for payment aggregators and UPI:

Surface clear consent and limit controls to the user at authorisation time
Provide a real-time view of spending against the limit
Allow instant limit changes and revocation
Follow Razorpay’s and RBI’s guidelines for payment aggregators and UPI

All amounts must be in paise (INR × 100). ₹5,000 = 500000 paise. Do not mix decimal rupee values with the paise field.

Test mode setup

Test the full authorisation and payment flow in Razorpay’s sandbox before going live:

# Test mandate creation in sandbox
curl -X POST https://api.razorpay.com/v1/payments/create/upi \
  -u $RAZORPAY_KEY_TEST:$RAZORPAY_SECRET_TEST \
  -H "Content-Type: application/json" \
  -d '{"amount": 10000, "currency": "INR", "method": "upi"}'

Use Razorpay’s test UPI IDs (success@razorpay, failure@razorpay) to simulate authorisation and payment outcomes. Run a full Asva Readiness Score after your sandbox integration is complete:

curl -X POST https://asva-ai.com/api/audit \
  -H "Authorization: Bearer $ASVA_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain": "yourstore.com"}'

Go live per Razorpay’s launch process, then monitor these metrics:

Authorisation rate — percentage of customers who set a mandate
Payment success rate — percentage of AI-initiated payments that complete
Average time to complete — target under 3 seconds

Use cases

Use case	Example
Grocery ordering	”Order my usual basket” via a grocery app’s AI assistant
Subscription reorder	”Reorder my protein powder” — payment executes within mandate
Event ticketing	”Book 2 tickets for Friday” — single-tap confirmation
Food delivery	In-app AI assistant completes reorder without PIN

Razorpay Agentic Payments is particularly well-suited to repeat-purchase categories — grocery, subscriptions, and food delivery — where the customer’s basket is predictable and the mandate limit covers a typical weekly spend.

ACP Getting Started — ACP endpoints for ChatGPT
UCP Checkout and Payments — UCP payment integration
Feed Specs — product feed requirements
Razorpay Agentic Payments (official)

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Razorpay Agentic Payments: UCP and ACP Integration

How Razorpay fits UCP and ACP

End-to-end integration

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​How Razorpay fits UCP and ACP

​End-to-end integration

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How Razorpay fits UCP and ACP

End-to-end integration

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