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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.

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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.

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End-to-end integration

1

Sign up for access and check eligibility

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
2

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
3

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.
4

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 fieldWhere it comes fromHow long it lasts
mandate.idRazorpay mandate creation responseUntil the customer revokes it
payment.idEach individual payment executionPer-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.
5

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.
6

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

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Use cases

Use caseExample
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 deliveryIn-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.