Cashfree Payments announced the launch of Agentic Payments at the Global Fintech Fest (GFF) 2025, a groundbreaking solution that embeds the entire online shopping experience inside a chat without redirects or pop-ups. With this launch, Cashfree becomes one of the first Indian fintechs to deliver AI-native payment capabilities for merchant agents, enabling businesses to offer seamless, human-like conversational commerce experiences.
Cashfree’s Agentic Payments MCP seamlessly integrates with the merchant’s MCP and takes over the conversation when the customer is ready to make the payment. The Payments MCP is powered by the latest innovations in payments: UPI Reserve Pay, card device token & biometric authentication, that enable payments to happen without the need for the consumer to even redirect to a checkout flow, thus unifying discovery, decision making and payments into a natural conversation flow.
Commenting on the launch, Reeju Datta, Co-founder, Cashfree Payments, said, “At Cashfree, we are pioneering for the next decade of commerce, where AI not only guides conversations but drives transactions end-to-end, and building Agentic Payments is a forward step for us in that direction. With this, merchants can bring discovery, recommendations, and payments under one roof, without disrupting the flow of conversation. This is more than a technological advancement; it is a new way for businesses to connect with customers and unlock growth. As AI becomes the interface for decision-making, we are thrilled to be at the forefront of providing the trust, security, and intelligence that make this transformation possible.”
As AI agents become central to commerce, businesses face a familiar challenge. While conversational agents can recommend, compare, and personalise products, payments often remain disconnected. Customers are taken through multiple interfaces, web views, and authentication steps, causing drop-offs and lost revenue. Industry reports indicate that in India, 60-70% of online purchases fail to convert due to friction at checkout. This challenge is amplified in chat-based commerce, where speed, immediacy, and seamlessness are critical for conversion.
Agentic Payments solves this challenge by allowing merchants’ AI agents to complete the full shopping experience within the conversation. Customers do not need to leave the chat or wait through multiple steps, making transactions instant and effortless. Powered by Cashfree’s hosted large language model, trained on data, transaction patterns, and deep payment processing expertise, the solution delivers personalized recommendations alongside frictionless payment completion. The solution leverages India’s latest regulatory advances, including biometric authentication for cards, UPI, and wallet payments, while complying with RBI and DPDP guidelines.
For end consumers, Agentic Payments represents the next generation of shopping. Instead of browsing endless catalogs, customers interact naturally with AI assistants that guide, suggest, and complete purchases in real time. The experience is instant, customised, and human-like, bringing the convenience of a trusted assistant into everyday commerce.
Agentic Payments is part of a broader innovation push at Cashfree. Alongside this launch, the company has introduced around 17 solutions at GFF including Banking Connect – an interoperable netbanking solution by NBBL; Reserve Pay – a Single Block Multi Debit UPI solution; among others. Together, these innovations showcase Cashfree Payments’ leadership in pioneering AI-driven commerce and its commitment to building a seamless, secure, and digital-first payments ecosystem for businesses and consumers in India and beyond.
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