In a significant step toward action-driven voice AI, Indian startup Gnani.ai has partnered with payments platform Razorpay to roll out an agentic AI collections platform that can complete payment transactions during live customer calls. The companies announced the development on Wednesday.
The new platform combines Gnani.ai’s agentic AI systems with Razorpay’s Model Context Protocol (MCP) server. This integration allows an AI agent to initiate and complete a payment within the same conversation, moving beyond reminders to real transaction closure.
“For the first time, enterprises can automate collections at scale without sacrificing conversion,” said Ganesh Gopalan, Founder and CEO of Gnani.ai. “This integration delivers what voice AI has promised but never achieved: the ability to complete transactions, not just initiate conversations. By leveraging Razorpay’s Model Context Protocol, we’ve transformed voice AI from a reminder system into an action-completion platform that delivers both automation economics and human-like effectiveness.”
According to Gnani.ai, the system connects its agentic AI infrastructure, which already handles more than 10 million calls per day, with Razorpay’s MCP server. This AI-native layer links agents directly to Razorpay’s payments infrastructure, giving them a real-time interface to initiate, track, and confirm payments.
During a live call, the AI agent can assess customer intent, select the appropriate payment method, generate a payment link or UPI collect request, and monitor the transaction status while the conversation continues.
The platform currently supports 2 payment flows: one-time UPI payments and mandate-based UPI SBMD payments, also known as Reserve Pay, for recurring transactions. Support for additional payment methods such as cards and wallets is planned.
Khilan Haria, Chief Product Officer at Razorpay, said, “Agentic AI only becomes truly valuable when it can act, not just converse. With Razorpay’s Agentic Payments infrastructure powering this integration with Gnani.ai, we’re giving AI systems a secure, real-time pathway to complete payments inside live customer conversations. This moves collections from ‘follow-up’ to ‘finished’ in a single interaction, unlocking a completely new operating model for financial institutions where intent, authorization, and settlement happen seamlessly and safely in one flow.”
Gnani.ai said the platform manages the entire workflow, including verifying dues, confirming intent, generating secure transaction-specific links, sharing them via SMS or WhatsApp, tracking payment status, and confirming receipt during the same call. The system supports conversations in more than 38 languages.
On security, the companies said customer payment details do not pass through the voice AI layer. Payments are processed entirely through Razorpay’s infrastructure, with transaction-specific links and existing UPI security protocols in place.
The partnership builds on Razorpay’s earlier collaboration with National Payments Corporation of India and OpenAI to enable agentic payments via ChatGPT, a pilot currently in beta.
At the India AI Impact Summit 2026, NPCI Executive Director for Growth Sohini Rajola told a business daily that the organisation plans to work with more AI platforms to expand UPI payments through AI agents.
Gnani.ai and Razorpay said the platform is available immediately for enterprise deployment, with technical demonstrations accessible through Gnani.ai.
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