Digital payments platform Razorpay has unveiled RAY, an artificial intelligence powered account manager embedded directly within WhatsApp. The new tool is introduced in partnership with IndusInd Bank, with early partners such as Bajaj Finance already live on the platform. RAY is designed to let founders manage payment operations, trigger critical actions, and access performance intelligence through natural conversation in English or Hindi.
Conversational Operations Without Dashboards
Razorpay says the new assistant removes the need for founders to navigate multi-layered dashboards, adjust date filters, or export reports. Instead of logging into a portal, users can send a text or record a quick voice note to receive a summary of payment activity. RAY supports proactive cash flow nudges, such as alerting a business when a settlement date falls near a bank holiday.
Early Adoption and Availability
Razorpay has made RAY available through WhatsApp in partnership with IndusInd Bank, while Bajaj Finance is among the early partners already live on the platform. The assistant accepts text and voice inputs in English and Hindi, allowing founders to interact with their payment operations using familiar communication habits. This design is meant to reduce the time spent learning new interfaces and navigating complex reporting tools.
Complex Business Questions and Predictive Analytics
Beyond basic status checks, the assistant is connected to Razorpay's underlying risk, payments, and data intelligence engines. It can process multi-layered business queries, including requests to analyze payments from the previous two months and project sales for the next two months. The system parses historical volume patterns, seasonal fluctuations, and gateway success rates to deliver synthesized forecasts inside the chat thread.
Anomaly Detection and Operational Recovery
RAY continuously monitors account health and can pinpoint whether a drop in conversion is tied to a specific card network, bank downtime, or checkout drop-off. The assistant can also trigger background fixes, open high-priority system tickets, and reroute payment flows without requiring manual technical troubleshooting. For revenue recovery, founders can ask RAY to send payment links to all customers with failed transactions on a given day.
Security and Real-Time Execution
Because the assistant operates inside a messaging app, Razorpay has integrated enterprise-grade security directly into the chat flow. Users complete authentication through a seamless, tap-to-open security verification link before issuing refunds, clearing settlements, or managing core account settings. This approach is intended to maintain conversational momentum while protecting sensitive business actions.
A Dedicated Partner for Founders
Razorpay positions RAY as a shift from reactive dashboard checks to proactive conversational intelligence. The assistant acts as an always-on co-pilot that watches revenue, catches anomalies, and executes fixes before they become larger problems. The company says this removes the cognitive load of being one's own account manager and allows founders to focus on building products and serving customers.
Razorpay's launch of RAY reflects a broader push by financial technology providers to embed operational tools into widely used messaging platforms. By partnering with IndusInd Bank and bringing early users like Bajaj Finance onto the platform, the company is signaling confidence in conversational commerce and AI-driven financial management. The assistant may appeal to founders who want faster access to payment intelligence without stepping away from daily business execution.