Razorpay Pivots Beyond Payments To Build AI Operating Layer For India's SMEs

Razorpay is making its biggest strategic bet yet, expanding from payments into an AI-powered operating system for small businesses. The aim: automate core operational and financial workflows for India's SMEs, positioning the fintech as the back-office brain for millions of merchants.

— Filed Tue, 30 Jun, 2026, 15:35 IST · Source Inc42 · Quick Commerce · Updated

Razorpay is expanding beyond payments to become an AI-powered operating layer for India's small businesses, aiming to handle core operational and financial tasks for SMEs as its biggest strategic bet to date.

Why this matters

This builds on Razorpay's repeated push to extend past payments, echoing recent moves to launch AI tools and an AI operating brain for India's small businesses.

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