Razorpay has joined forces with Sarvam to introduce conversational AI into the payments landscape, facilitating voice-driven commerce across multiple Indian languages.
This collaboration merges Sarvam’s multilingual AI technology and agency tools with Razorpay’s payment platform, enabling customers to browse products, place orders, and finalize transactions using spoken dialogue in their preferred language.
Initial Pilots
The pilot project is currently being tested through the Indus App chat platform. Swiggy, a leading food delivery service, has been selected as the first merchant partner for this initiative. Users can order food by speaking to an AI-powered assistant, which handles the entire process—from understanding the request and placing the order to completing payment via the National Payments Corporation of India’s UPI Reserve Pay system—within a single conversation.
Bridging the Digital Commerce Gap in India
This partnership addresses a specific challenge in Indian digital commerce. With over 950 million internet users and more than 450 million people registered for digital payments, according to data from the Internet in India Report 2025 by IAMAI and Kantar, along with NPCI figures, only about 200 million individuals currently shop online. This discrepancy is partly due to the reliance on English-language interfaces and their complexity, which can be a barrier for many users.
By offering voice interactions in regional languages, the aim is to bridge this gap, shifting commerce from app-based platforms to more natural conversational environments as the primary mode of interaction.
Deployment Layers
The integration spans three main areas. Firstly, within Indus App, where the Swiggy pilot project is currently in development. Secondly, an embedded voice commerce feature for third-party websites and applications; a prototype has already been integrated into The Derma Co’s website to allow users to discover products and make purchases through voice commands. Lastly, Sarvam’s AI technology will be incorporated into Razorpay’s Agent Studio, equipping developers with the means to create multilingual conversational agents supporting languages like Hindi, Hinglish, and others within the Razorpay ecosystem.
This setup reflects a broader trend where payments providers are increasingly integrating AI-driven interfaces directly into their platforms. By executing transactions seamlessly within conversational agents, this approach eliminates the need for users to navigate to separate checkout processes that are common in traditional e-commerce setups.
