Razorpay taps Claude from Anthropic will create AI payment agents

Razorpay on Thursday announced that it is building artificial intelligence-powered agents for payments using the chatbot technology of Anthropic through its model Claude. The agents are designed to automate routine tasks for businesses such as recovering abandoned purchases, retrying failed subscriptions, resolving disputes and forecasting cash flows, the company said in a statement.

The move reflects a broader shift taking place across the payments industry toward what is being called agentic commerce, where AI systems can perform financial tasks on behalf of businesses. Payment companies are increasingly exploring ways for customers to complete transactions directly through AI assistants and chat-based interfaces rather than traditional checkout flows.

Other players in the payments ecosystem are also experimenting with similar technologies. Payment aggregators such as Cashfree, global card networks Visa and Mastercard, and merchant processors including PayU and Pine Labs have been working with AI platforms such as ChatGPT and Claude, according to a report published earlier this year.

Razorpay’s integration was built using Anthropic’s Claude agent software development kit. Through this setup, the fintech’s AI agents can help businesses recover lost sales by reaching out to customers who leave items in their online shopping carts without completing the purchase. The system can send messages or voice alerts asking why the transaction was not completed and can offer reminders or small incentives to encourage the customer to finish the payment.

The company also introduced what it calls an agentic experience platform, a new AI-native layer aimed at simplifying how online businesses onboard to Razorpay, integrate payments into their products and manage payment operations. The platform is designed to allow businesses to create their own AI agents using simple natural-language commands rather than complex programming.

According to Razorpay chief executive Harshil Mathur, businesses increasingly require intelligent systems that can take action rather than just traditional software tools. He said companies today do not just need more software but intelligence that can actively operate within business workflows.

Razorpay added that these AI agents can integrate with external platforms and services. They can connect to e-commerce platforms such as Shopify and logistics platforms like Shiprocket, as well as messaging applications such as WhatsApp. This allows businesses to manage customer interactions, logistics updates and payments through a single AI-driven system.

Irina Ghose said Razorpay’s use of Claude demonstrates how AI agents can help businesses recover revenue, resolve disputes and predict cash flow when AI is embedded directly into operational systems.

The company is also testing AI-led in-app commerce with several consumer platforms, including Zomato, Swiggy, PVR INOX and Vodafone Idea. Under this model, customers will be able to discover products or services, make decisions and complete payments within a single AI-driven conversation without leaving the chat interface.