Something quietly historic happened at the India AI Impact Summit on February 18th.
Not quietly, actually. It happened on stage, in front of India's most forward-thinking AI community. But the weight of it might take a moment to sink in.
Razorpay and superU AI announced a partnership that the payments industry largely believed was still years away: a real-time agentic payment system. One where a transaction doesn't wait for a human to complete it. The AI identifies the moment a user is ready to pay, and it closes the loop. Instantly. Invisibly.
So what does that actually mean?
Think about the last time you ordered food. You opened an app, browsed, added to cart, entered your address, chose a payment method, and confirmed. Five to seven steps that existed purely because systems weren't smart enough to handle them for you.
Now imagine saying "order me a burger from my usual place" and it's done. No app. No checkout. No thinking about payment at all. superU AI handles the conversation and context. Razorpay handles the transaction. You just get your burger.
That's not a concept. That was demoed live.
What makes this different from every other "AI payments" pitch
The industry has talked about agentic commerce for a while. What Razorpay and superU AI have done is move it from a whiteboard to a live, running system. superU AI's agent qualifies intent in real time. It's not just listening for keywords, it's understanding context, building a picture of what the user wants, and identifying the precise moment to trigger a payment. Razorpay then generates the payment link instantly, and the transaction closes.
No sales rep. No customer fumbling through checkout. No gap between decision and payment.
Aditya Agrawal, Founder of superU AI and former Data Program Lead at Tesla, has spent over a decade building high-scale AI products around one philosophy: intelligence should be actionable. "When an agent can not just have a conversation but close a transaction in real time, the entire nature of commerce changes," he said at the summit.
Khilan Haria, CPO, Razorpay, said, “India is already a voice-first nation, with over a billion voice searches happening every month. For the next billion users, voice isn’t just a convenience, it’s their primary interface to the digital economy. With our partnership with superU AI, Razorpay is enabling agentic payments that allow Voice AI to move beyond responding to actually transacting. This is a fundamental shift, where intent expressed through voice can now seamlessly initiate secure, real-time payments. The future of payments will not be typed or tapped, it will be spoken, and Razorpay is building the infrastructure to power that transformation.”
Why this matters beyond enterprise
It's easy to see the B2B application. AI agents that can qualify a lead, conduct a sales conversation, and collect payment without a human in the loop. That alone is a significant shift for businesses.
But the more profound change is in everyday life. Booking a cab. Paying a utility bill. Purchasing a flight. Every transaction that currently lives behind multiple apps, multiple taps, and multiple decisions. Agentic payments quietly removes all of that friction.
You express intent. The system acts. Commerce happens.
A moment worth noting
India's AI ecosystem is having its moment. The India AI Impact Summit is proof of that: the ambition in the room, the quality of what's being built, the global attention it's beginning to attract.
The Razorpay x superU AI announcement sits right at the center of that story. Not as a future roadmap item, but as something working, live, and real.
The age of manual payments had a good run.
Check us out: superU AI
