“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,” said Rahul Chari, founder and chief technology officer (CTO) at PhonePe. “By layering our proprietary integration intelligence on top of AI coding assistants, we have created an agent that doesn’t just generate code, it understands payments. We’re just getting started with our AI journey and there are many more exciting features in the pipeline,” he added.
Merchants can use the AI agent to integrate PhonePe’s payment gateway within minutes through a conversational interface, replacing the traditional process where developers spend days navigating technical documentation and resolving complexities. Beyond faster integration, the tool reduces reliance on deep technical expertise by automating workflows. The company said the time saved can be redirected towards improving products and services.
The system is also designed to minimise errors by adhering to PhonePe PG’s official API (Application Programming Interface) specifications, using correct payloads and built-in best practices for error handling.
The rollout prioritises small and medium enterprises (SMEs), which often face constraints due to limited developer resources but have strong growth potential. The solution enables faster onboarding without technical bottlenecks.
As adoption across India’s digital ecosystem grows, PhonePe said it will continue expanding its offerings and investing in population-scale digital platforms.
The company reported revenue from operations of ₹7,631 crore in financial year (FY) 2025 — more than double its FY2023 figure — and posted positive adjusted margins in earnings before interest, tax, depreciation, and amortisation (Ebitda).
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