Razorpay Pushes Beyond Payments To Build AI Operating Layer For India's SMBs

Razorpay is positioning itself as an AI-driven intelligence platform for small and medium business operations, expanding from its payments roots into merchant-facing tooling. The move targets India's large SMB base with an operating layer beyond transaction processing.

— Filed Wed, 1 Jul, 2026, 13:34 IST · Source Inc42 · Quick Commerce · Updated

Razorpay is expanding beyond payments to build an AI-driven operating layer for India's small and medium businesses, positioning itself as an intelligence platform for merchant operations.

Why this matters

The move continues Razorpay's recent pattern of pivoting beyond payments, echoing prior signals about betting on an AI operating layer and eyeing AI expansion for India's small businesses.

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