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PhonePe Partners With OpenAI to Integrate ChatGPT Within the UPI App

PhonePe Partners With OpenAI to Integrate ChatGPT Within the UPI App

PhonePe will show OpenAI’s chatbot, ChatGPT, on both its consumer-facing and business apps.

Written by Akash Dutta, Edited by Ketan Pratap | Updated: 13 November 2025 14:21 IST

PhonePe Partners With OpenAI to Integrate ChatGPT Within the UPI App

Photo Credit: PhonePe

OpenAI and PhonePe’s partnership is geared towards increasing AI adoption in India

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Highlights

ChatGPT will be available on PhonePe's business and consumer apps
OpenAI recently started offering free ChatGPT Go subscription in India
Users will be able to use ChatGPT AI features within PhonePe app

PhonePe and OpenAI announced a strategic partnership on Thursday. The Flipkart-owned Unified Payments Interface (UPI) platform will be integrating the San Francisco-based artificial intelligence (AI) giant's technology within its platform. PhonePe highlighted that the move will improve the user experience on its platform and can help them make better and more informed decisions while making purchases. Notably, this is not the first payments company to have partnered with the AI giant. In October, Razorpay announced that it had partnered with OpenAI and the National Payments Corporation of India (NPCI) to bring agentic AI-based unified payment interface (UPI) transactions on ChatGPT.

PhonePe and OpenAI Strike a Strategic Partnership

In a press release, PhonePe announced the collaboration with the AI giant, highlighting that the move is aimed at increasing the adoption of ChatGPT in the country as well as "fostering mututal business growth." As part of the deal, the UPI platform will integrate ChatGPT's features to assist users in different operations.

So, while the entire chatbot interface will not be accessible from PhonePe's consumer app and the PhonePe For Business app, users will see ChatGPT-led experiences across the platform. The post mentions that the AI assistant will let users find relevant information on everyday needs from planning their next trip to making a purchase.

ChatGPT With GPT-5.1 AI Model Is Warmer and Friendlier

PhonePe mentions that with this collaboration, OpenAI will also be able to reach PhonePe's large user base and draw upon its broader ecosystem, including the Indus Appstore. No financial terms of the partnership were mentioned by the company.

Oliver Jay, Head of International at OpenAI, said, “Our collaboration with PhonePe is a significant milestone in our mission to make AI more accessible to people throughout India. India is a global hub for innovation, and PhonePe's deep understanding of the country's fabric and its user base make them the ideal partner.

OpenAI's India focus has been evident in the recent months. The company has announced opening its first physical office in the country, and investing in setting up a data-centre with 1GW capacity. Last month, it also partnered with Razorpay and NPCI to let users in India make payments via the chatbot app. It has also made the ChatGPT Go subscription free in the country for the next 12 months.

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Further reading: OpenAI, PhonePe, ChatGPT, AI, Artificial Intelligence

Akash Dutta Email Akash Dutta

Akash Dutta is a Chief Sub Editor at Gadgets 360. He is particularly interested in the social impact of technological developments and loves reading about emerging fields such as AI, metaverse, and fediverse. In his free time, he can be seen supporting his favourite football club - Chelsea, watching movies and anime, and sharing passionate opinions on food. More