PhonePe unveils AI agent for instant payment integration

PhonePe has announced the rollout of its new AI-powered integration layer for merchants, designed to dramatically reduce the time it takes to go live with its payment gateway. Traditionally, developers spend days navigating documentation and debugging code. With this new AI Integration Agent, merchants can now complete the process in minutes through a conversational interface. The innovation is powered by PhonePe’s proprietary Integration Intelligence layer, which ensures the agent doesn’t just generate code but understands the nuances of payments.


According to PhonePe, the new system offers three major benefits:

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• li1Faster integration: What once took days of reading and debugging can now be accomplished in a single conversation with the AI agent.
• li1Fewer errors: The agent follows official API specifications, uses correct payloads, and applies best practices for error handling.
• li1Improved productivity: Engineers spend less time on integration, freeing them to focus on product and service improvements.

Rahul Chari, CTO and founder of PhonePe, said: “Integration has historically been one of the longest phases for any merchant going live with a Payment Gateway. We built the AI Integration Agent specifically to collapse that timeline from weeks to minutes. By layering our proprietary Integration Intelligence on top of AI coding assistants, we’ve created an agent that doesn’t just generate code, it understands payments.”


The rollout prioritises small and medium enterprises (SMEs), a segment often constrained by limited developer resources but with high growth potential. By eliminating technical bottlenecks, PhonePe aims to help SMEs onboard quickly, start accepting payments faster, and accelerate revenue generation. The company expects this innovation to significantly reduce merchants’ time-to-market, strengthening its position as a leading payment gateway provider in India.