Razorpay Launches AI Agent Studio to Automate Business Payments

Razorpay launched AI Agent Studio in March 2026, an AI-powered platform designed to help businesses automate payments, recover lost revenue, and manage financial operations in real time. The platform allows companies to deploy autonomous AI agents that handle tasks such as payment failures, dispute resolution, and cash-flow monitoring without manual intervention. The announcement was made by Harshil Mathur, Co-founder and CEO of Razorpay, during the FTX 2026 fintech event held on 11-12 March 2026. Razorpay described it as the world’s first AI agent platform built directly on a payments infrastructure, enabling smarter and automated financial workflows.

Why Razorpay Developed AI Agent Studio?

These processes often require large operations teams and manual monitoring. AI Agent Studio was built to automate these repetitive financial workflows, enabling businesses to save time and reduce operational costs. Many Indian businesses especially in e-commerce, subscription services, and D2C brands spend significant time on operational tasks such as:

• Following up on failed payments
  
• Reconciling bank statements and settlements
  
• Managing payment disputes or chargebacks
  
• Recovering abandoned shopping carts
  

What is AI Agent Studio?

• AI Agent Studio is a B2B platform and marketplace where businesses can discover, deploy, and customize AI agents designed for payment and revenue operations.
• The platform is powered by the Anthropic Claude Agent SDK, which provides the underlying technology that allows these agents to operate, analyze financial data, and interact with Razorpay’s payment infrastructure.
• Unlike traditional AI tools that work separately, these agents operate directly inside Razorpay’s payments and banking ecosystem, allowing them to respond to financial events instantly and optimize workflows automatically.

Marketplace of Ready-Made AI Agents

One of the key features of AI Agent Studio is its catalogue of pre-built AI agents that businesses can deploy instantly for specific financial tasks. These agents can handle several critical operations, including:

• Recovering abandoned carts by sending payment links or offers to customers who left checkout
• Retrying failed subscription payments to recover recurring revenue
• Managing disputes and chargebacks by collecting evidence and responding within deadlines
• Providing cash-flow insights and forecasting liquidity requirements
  

Some specialized agents highlighted by Razorpay include:

• Cashflow Forecaster – predicts short-term cash positions
• RTO Shield – helps reduce return-to-origin losses in cash-on-delivery orders
• RTO Insights – provides analytics on return patterns and logistics risks

These agents allow businesses to improve revenue recovery without increasing operational workload.

Build Your Own AI Agent Without Coding

AI Agent Studio also includes a “Build Your Agent” feature, which allows companies to create custom AI agents without writing any code. Businesses simply describe the workflow in natural language. For example:

“Remind customers 24 hours before subscription renewal and offer a downgrade option if they are inactive.”

The platform then automatically configures the logic required for the agent to perform this task. This no-code approach is particularly useful for product managers, marketing teams, and operations leaders who understand business challenges but may not have dedicated engineering resources.

Deep Integrations with Business Tools

AI Agent Studio connects with a variety of commonly used business platforms, enabling agents to access contextual information and act more intelligently. These integrations include:

• E-commerce platforms such as Shopify
• Accounting tools like Tally and QuickBooks
• Collaboration platforms such as Slack
  

By integrating with these systems, agents can:

• Track order histories
  
• Reconcile payments with accounting records
  
• Detect transaction anomalies
  
• Send personalized customer messages through existing communication channels
  

This creates a data-rich environment where AI agents can make better financial decisions.

Introducing the Agentic Experience Platform

Alongside AI Agent Studio, Razorpay has also launched the Agentic Experience Platform, which converts traditional workflows into conversational AI experiences.

Agentic Onboarding

Businesses can now complete onboarding in just five minutes by submitting details such as PAN and website information. Identity verification and compliance checks are performed automatically through government systems.

Agentic Dashboard

Merchants can interact with their dashboard using natural language. For example, they can upload a bank statement and ask the system to match it against Razorpay settlements, a process that previously required hours of manual reconciliation.

Agentic Integration

Developers and partners can integrate Razorpay’s payment infrastructure within minutes using AI-assisted coding environments like Claude Code, as well as no-code platforms such as Replit. These features replace complex configuration steps with simple chat-style interactions guided by AI.

How AI Agent Studio Can Impact Businesses?

AI Agent Studio is designed to deliver benefits in three key areas:

• Higher Revenue AI agents can recover abandoned carts, retry failed payments, and reduce losses in COD orders, helping businesses increase actual sales without expanding their teams.
• Operational Efficiency Automating reconciliation, dispute management, and financial analytics significantly reduces manual workload for finance and operations departments.
• Improved Customer Experience AI-driven payment reminders, personalized communication, and conversational workflows create smoother interactions for customers and merchants alike.

Strategic Importance for Razorpay

With the launch of AI Agent Studio, Razorpay is expanding its role from a payment gateway provider to a full AI-driven financial infrastructure platform.

• By leveraging the capabilities of Anthropic’s AI technology, the company is entering the emerging field of agentic payments, where autonomous AI agents can initiate, manage, and optimize payment processes across digital platforms.
• If widely adopted, this approach could reshape how businesses operate. Instead of hiring larger operations teams, companies may increasingly rely on specialized AI agents to handle financial workflows efficiently.
• In the future, third-party developers may also create their own agents for the platform, expanding the ecosystem into broader areas such as commerce automation, customer engagement, and operational intelligence.