PhonePe partners with OpenAI to integrate ChatGPT across its platforms

PhonePe partners with OpenAI to integrate ChatGPT across its ecosystem, setting the stage for millions of Indian users to encounter generative AI inside an app they already use for payments and daily services. The strategic collaboration aims to accelerate ChatGPT adoption in India while deepening the product stacks of both companies.

Through this tie up, PhonePe will embed ChatGPT based experiences in the main consumer app, PhonePe for Business and the Indus Appstore, opening up a wide range of conversational use cases from travel planning and shopping support to general information and task assistance.

How PhonePe partners with OpenAI to integrate ChatGPT at scale

For PhonePe, this alliance is about adding a new intelligent layer to interactions rather than simply bolting on a chatbot. The company believes that if users can discover practical ways to use ChatGPT inside familiar journeys, generative AI will shift from novelty to utility.

PhonePe users will be able to

• Ask ChatGPT for help with planning trips, itineraries or budgets

• Get shopping suggestions or comparisons as they browse services

• Use conversational prompts to find information or complete tasks faster

• Access AI assistance inside merchant focused flows through PhonePe for Business

On the Indus Appstore, the integration can help users explore apps, understand features and discover relevant content using natural language instead of menus.

Why this collaboration matters for AI access in India

India is seeing rapid interest in generative AI, but access is not evenly distributed. Many users still encounter such tools through isolated web products or English first experiences. By bringing ChatGPT directly into a mass market app, PhonePe partners with OpenAI to integrate ChatGPT in a way that feels embedded in everyday life.

Rahul Chari, founder, whole time director and chief technology officer at PhonePe, noted that the company has spent years building digital rails at population scale. This alliance, he said, shows how innovative firms can work together to take cutting edge technology to broader audiences, rather than limiting it to early adopters.

From OpenAI perspective, the tie up is a significant step in its mission to make AI more accessible across India. Oliver Jay, head of international at OpenAI, highlighted PhonePe deep understanding of the local market and its user base as key reasons for the partnership, describing the collaboration as a way to demonstrate the everyday value of consumer AI.

When will PhonePe ChatGPT features matter most for users

Generative AI tools tend to shine in scenarios where users are unsure how to frame a search, need help structuring a plan, or want answers that feel tailored rather than generic. Inside PhonePe, that could include

• Planning multi city trips with budgets and checklists

• Discovering local merchants or services based on conversational queries

• Getting clarity on complex product descriptions or offers

• Asking for step by step help with financial literacy concepts

By surfacing these options contextually, PhonePe ChatGPT features can reduce friction and help users feel more confident about digital decisions.

Partnership context and PhonePe growth story

The announcement comes at an important moment for the Bengaluru based fintech. PhonePe has confidentially filed its draft red herring prospectus with the Securities and Exchange Board of India and is reportedly targeting a sizeable public issue that could value the company in the mid teen billion dollar range.

Backed by Walmart, PhonePe has continued to expand its payments and services ecosystem. In FY25, it reduced its net loss to Rs 1,727 crore from Rs 1,996 crore in FY24, while operating revenue climbed about 40 percent to Rs 7,114.8 crore from Rs 5,064 crore. As of March 31, 2025, it had more than 61 crore registered users and a merchant network of over 4.4 crore across the country.

Beyond payments, PhonePe now operates in lending and insurance distribution and is building newer platforms such as Share Market, Pincode and the Indus Appstore. Integrating ChatGPT into this expanding universe positions AI as a horizontal capability that can support multiple lines of business.

With PhonePe partners with OpenAI to integrate ChatGPT across its platforms, the company is moving generative AI into the heart of mainstream digital behaviour in India. By embedding conversational intelligence inside payment, commerce and app discovery journeys, the partnership has the potential to show millions of users how AI can simplify tasks, answer questions and enhance daily life, rather than remain a distant tech buzzword.

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