The company said the new system, built to work with AI coding assistants and supported by its proprietary
“Integration Intelligence” layer, allows online merchants to integrate its payment gateway through a conversational interface. This, it claims, can reduce integration timelines from several weeks to a matter of minutes.
Payment gateway integration has typically required developers to work through technical documentation and resolve implementation challenges, a process that can take days or longer. PhonePe said the AI-based tool automates key parts of this workflow, enabling faster deployment and reducing the need for advanced technical expertise.
Rahul Chari, co-founder and chief technology officer at PhonePe, said integration has historically been one of the longest phases in the merchant onboarding process. He added that the company developed the AI agent to shorten this timeline by combining AI coding capabilities with domain-specific understanding of payments.
According to the company, the integration layer is expected to improve developer productivity by reducing time spent on setup, while also helping minimise errors by adhering to official API specifications and standardised processes.
The rollout will initially focus on small and medium enterprises (SMEs), which often face resource constraints in deploying digital payment systems. PhonePe said the tool is intended to help such businesses go live faster and begin accepting digital payments without significant technical barriers.
Founded in 2016, PhonePe operates a digital payments platform with over 700 million registered users and a merchant acceptance network spanning more than 50 million businesses, as of April 2026. Its offerings include consumer payments, merchant services, lending and insurance distribution, as well as platforms such as Share.Market and Indus Appstore.
