Agentic commerce is shopping where an AI agent acts for the buyer: it searches, compares products and, with the buyer's permission, pays. India's first public example is a pilot announced on 9 October 2025 by NPCI (which runs UPI) with OpenAI and Razorpay, letting users shop and pay inside ChatGPT without leaving the chat.
How the Indian pilot works
The pilot uses two NPCI features. UPI Reserve Pay blocks a set amount of funds for future debits to chosen merchants, and UPI Circle delegates UPI authentication. Razorpay built the merchant layer, and Axis Bank and Airtel Payments Bank power the banking side. The first merchants named were BigBasket for groceries and Vi for mobile recharges.
Razorpay said it had a proof of concept with Google's Gemini and Anthropic's Claude as well, and that these would reach consumers within weeks of the announcement. We have not confirmed that they did.
What it means for a marketplace seller
Nothing in the announcement involves Amazon.in, Flipkart or other marketplace sellers directly. So there is no seller setting to switch on, and no confirmed fee or programme. What follows is an inference, not a platform rule: an agent can only recommend products whose data it can read. Clean titles, complete attributes, correct variants, accurate prices and stock, and clear images matter more when a machine is reading the listing instead of a person scanning it.
A separate point from the same report: Cashfree launched its own agentic payments tool where merchants must build their own shopping agents. That is not part of the NPCI pilot.
What Razorpay's release adds
Razorpay's own release, datelined 9 October 2025, describes the flow: the assistant moves from discovery to completing the purchase inside the chat. In its example a user asks for ingredients, the agent checks BigBasket's catalogue, and one confirmation places the order through Razorpay's payments stack. Users keep control through real-time tracking and instant revocation, and the release says agents holding payment credentials to act on their own is a future possibility, not a current feature. It also calls the work a pilot.
What is not confirmed
The announcement did not give a revenue-sharing model for partners. We found no date for a general rollout, and no marketplace commission rules for agent-led orders. For the wider picture, read our agentic commerce guide for India and the note on UPI agentic payments.
Blooprint, a Bengaluru e-commerce agency, can audit the catalogue data an AI agent would read through its catalogue and listing optimisation service.