Razorpay bets big on becoming the 'AI brain' for India's small businesses

Razorpay is expanding beyond payments to position itself as an AI-driven operating layer for India's SMEs, aiming to support nationwide small-business operations in what it calls its biggest strategic bet.

— Filed Wed, 1 Jul, 2026, 04:19 IST · Source Inc42 · Quick Commerce · Updated

Razorpay is expanding beyond payments to position itself as an AI-driven operating layer for India's small businesses, aiming to become the 'AI brain' supporting SME operations nationwide in what it calls its biggest strategic bet.

Why this matters

The push extends Razorpay's repeated pivot from payments to an AI operating layer for SMEs, echoing a broader shift among India's young founders toward fintech and app-led platforms.

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