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Pine Labs appoints ex-amazon, Razorpay executive Jayaram Karthik as COO. Pine Labs has appointed Jayaram Karthik as its COO, with the veteran executive set to oversee operations and merchant experience across India and international markets. The appointment comes as Pine Labs looks to strengthen its operational infrastructure and standardise merchant journeys across its global footprint of more than 20 countries. Karthik brings more than 25 years of experience across operations, risk, analytics and technology, with leadership stints at American Express, Citibank, Amazon, Tata, and Razorpay. Fintech platform Pine Labs has appointed ex-Razorpay SVP Jayaram Karthik as its COO, as the company looks to strengthen its operational capabilities and support its next phase of growth. Karthik will lead operations and merchant experiences across India and Pine Labs' international markets. His mandate will include building technology-enabled operating models aimed at creating seamless, trusted and locally relevant experiences for merchants.

Unified Agent Protocol to power automated Small-Value UPI transactions by AI Agents. Last updated: September 1, 2026 11:27 pm By Rinky Rai - A freelance journalist NPCI Readies Unified Agent Protocol to Enable Small-Value UPI Payments Through AI Agents NEW DELHI: The National Payments Corporation of India is preparing a framework to allow artificial intelligence agents to carry out small-value transactions on the Unified Payments Interface without requiring manual approval for every payment. According to a Reuters report, the retail payments umbrella entity is likely to unveil the framework, named the Unified Agent Protocol, next week at the Global Fintech Fest 2026 in Mumbai. Under the current architecture, users must confirm transactions before payments are completed, but the proposed protocol will automate the process for routine and low-value digital transactions where prior authorization has been granted. Integration with Existing Architecture to Drive Delegation The proposed framework is expected to leverage existing UPI functionalities, notably UPI Circle and Reserve Pay. UPI Circle permits primary account holders to delegate payment authority to another individual, while Reserve Pay facilitates payments within predetermined limits and conditions. By utilizing these tools, AI agents will be able to execute financial transfers under precise rules defined by users. Transaction limits, advance user consent, conditional triggers, and stringent safeguards will form the core operational parameters of the system, eliminating repetitive manual authentication for routine digital payments. Fintech Sector Expands Work on Agentic Payment Systems The move comes after NPCI successfully piloted an agentic payment mechanism last year, demonstrating the ability of AI tools to interact with payment networks. Several domestic fintech firms, including Razorpay, Pine Labs, and Cashfree, have also been building tools to support automated agent transactions. These technical advancements reflect a broader transition within the payments landscape, where artificial intelligence systems are shifting from serving as informational assistants to independently initiating and closing financial transactions within authorized parameters. Stringent Controls and Risk Mitigation Remain Central While agentic payments promise greater speed for low-value transfers, automated delegation also raises critical operational and security risks. Granting automated software the authority to execute transactions introduces potential challenges regarding incorrect instructions, fraudulent attempts, unauthorized transfers, and system errors. To mitigate these risks, the upcoming framework will rely heavily on explicit user permissions, automated transaction monitoring, active fraud detection algorithms, and dedicated mechanisms to halt or reverse suspicious payments. The precise transaction ceilings, operating guidelines, and security requirements will be established once NPCI formally publishes the implementation details of the protocol.

Top 10 essential odoo modules for ecommerce operations. * Byte Legions * September 1, 2026 * Odoo Knowledge Most Odoo ecommerce projects fail in one of two directions. Either the team installs almost nothing and ends up running fulfilment out of a spreadsheet three months after launch, or they switch on every app in the list and drown in fields nobody fills in. Neither problem is a software problem. It is a sequencing problem, and it usually traces back to a module list picked before anyone mapped the actual order-to-cash flow. This is a practical shortlist rather than a catalogue. If you are weighing which apps to switch on first, the essential odoo modules ecommerce operators genuinely rely on come down to about ten, and a few of them are not the ones people expect. Byte Legions works with these stacks daily as an odoo erp development company, and the pattern below reflects what holds up under real order volume rather than what looks complete in a demo. The top 10 odoo modules for ecommerce operations. 1. Website and eCommerce. The website_sale app is the storefront, but the part that matters operationally is that it writes directly into the same product and stock records your warehouse team uses. No connector, no nightly sync, no reconciliation job. Product variants, pricelists, and stock availability are read live. Two settings do most of the work here. Turn on availability display so customers see stock status before checkout rather than after, and configure your product page layout once at the theme level instead of overriding it per product. The second one saves a surprising amount of cleanup later. 2. Sales. Plenty of teams assume Sales is redundant once eCommerce is running. It is not. Every web order lands as a sales order, and Sales is where you get quotation templates, sales teams, order confirmation rules, and the reporting layer that eCommerce alone does not give you. It also matters the moment you take a phone order, a wholesale enquiry, or a B2B request for a custom quote. Without Sales installed properly you have no clean path for anything that arrives outside the cart. 3. Payment Providers. Odoo ships integrations for Stripe, PayPal, Adyen, Mollie, Razorpay and several regional options, and the list keeps growing. The configuration decision that trips people up is capture mode. Authorising at checkout and capturing at fulfilment protects you on out-of-stock orders, but it adds a manual step that someone has to own. Test in the sandbox with a real refund, not just a real payment. Refund handling is where most provider configurations turn out to be half finished. 4. Inventory. If you only install one back-office module beyond the storefront, make it this one. Inventory is what turns an online store into an operation. It handles stock moves, lot and serial tracking, delivery orders, and the availability figure your product pages depend on. Multi-Warehouse routing and reordering rules. Two features earn their keep fast. Reordering rules set a minimum and maximum quantity per product and generate replenishment automatically once stock drops below the floor, which removes the weekly guesswork of what to reorder. Multi-warehouse routing lets you assign which location fulfils which orders, useful the moment you add a second stockholding site or start doing dropship alongside your own stock. Get your delivery steps right early. One-step delivery is fine for small operations. Two-step, pick then ship, makes sense once someone other than the owner is packing boxes. 5. Purchase. Purchase closes the loop that Inventory opens. Reordering rules can generate requests for quotation automatically, vendor pricelists keep your landed costs accurate, and receipts update stock without anyone retyping quantities. For ecommerce specifically, the dropship route is the thing to look at. It lets a customer order trigger a purchase order straight to your supplier, with the goods never touching your warehouse. 6. Shipping connectors and Delivery Methods. Delivery methods let you define shipping rules by weight, price, or destination. The carrier connectors, FedEx, UPS, DHL, USPS, Easypost, Sendcloud and others depending on your region, go further and pull live rates at checkout, generate labels, and write tracking numbers back to the order. Live rating is the feature worth the setup effort. Flat-rate shipping quietly loses money on heavy or distant orders and quietly loses conversions on light local ones. Where most ecommerce stacks break down. The failure point is almost never the storefront. It is the join between stock, fulfilment and accounting. A store that shows availability from one system and ships from another will eventually oversell, and once customers see a cancellation email the trust cost is real. Odoo avoids the sync problem by design, but only if the modules that share those records are actually installed and configured together. Half-configured inventory with a fully configured website produces exactly the same oversell, just with fewer people to blame. If you want a deeper walkthrough of how stock and order data flow between these apps, its guide to Odoo inventory management for growing businesses covers the routing side in detail. The second common break is edition assumptions. Several apps below are Enterprise-only, and finding that out during a launch week is an expensive surprise. 7. Invoicing and accounting. Invoicing is available in Community and handles customer invoices, payments, and basic reconciliation. Full Accounting, with bank feeds, multi-currency depth, asset management, and analytic accounting, is an Enterprise app. For ecommerce, the setting to configure first is automatic invoice creation on payment. It removes a manual step per order, which compounds fast at volume. Tax configuration deserves proper attention too, particularly if you sell across state or national borders. 8. Email Marketing and Marketing Automation. Email Marketing is Community and covers campaigns, templates, and list management. Marketing Automation, which handles multi-step workflows triggered by customer behaviour, is Enterprise. The single highest-return automation for most stores is abandoned cart recovery, configured in the eCommerce settings with a delay you can tune. Set it too short and you annoy people mid-decision. Around an hour tends to work better than the fifteen minutes people usually pick. 9. Helpdesk. Helpdesk is Enterprise-only, which catches a lot of Community teams off guard. It gives you ticketing, SLA policies, a customer portal, and the ability to raise a return or refund directly from a ticket without leaving the record. Community users typically substitute Project with a support-shaped pipeline, or a third-party helpdesk from the Odoo Apps store. Both work. Neither has the native order linkage, which is the part that actually saves agent time. 10. Dashboards and Sales reporting. The reporting layer is the module most often left until last and most regretted. Sales analysis, inventory forecasting, and revenue reports are built in, and Dashboards lets you pin the views your team checks daily into one screen. Build three views and stop: revenue by channel, stock coverage in days, and orders stuck in a fulfilment state longer than expected. That third one catches operational problems before customers do. Building your module stack in the right order. Install in dependency order, not in interest order. Products and Inventory first, then Sales, then Website and eCommerce, then Payment Providers and Delivery Methods, then Invoicing. Marketing, Helpdesk and Dashboards come after you have a working order flow, not before. Run twenty test orders end to end before launch, including one refund, one partial shipment, and one out-of-stock scenario. Most configuration gaps surface in those three cases and nowhere else. If your product catalogue, tax setup, or fulfilment model has genuine complexity, the configuration decisions get harder to reverse the longer you leave them. Book a consultation and Byte Legions can map your stack against your actual order flow before you commit to a structure. Frequently asked questions. Do I need Odoo Enterprise to run an ecommerce store? No. Website, eCommerce, Sales, Inventory, Purchase, Invoicing and Email Marketing are all available in Community. You will lose Helpdesk, Marketing Automation, Studio and full Accounting, so the answer depends on whether those specific workflows matter to your operation. How many modules should I install at launch? Six to seven is typical for a first launch: Website, eCommerce, Sales, Inventory, Payment Providers, Delivery Methods and Invoicing. Add the rest once your order flow is stable and you know what is actually slowing your team down. Can Odoo handle multiple sales channels alongside the webshop? Yes. Point of Sale, Amazon and eBay connectors, and manual B2B orders all feed the same sales order and stock records. Reporting by channel comes free once they share the same data model. What happens to my configuration when I upgrade Odoo versions? Standard module configuration migrates cleanly through Odoo's upgrade process. Custom fields, custom views, and third-party apps are the risk area and need testing on a staging database before you upgrade production. Is Odoo eCommerce suitable for large catalogues? It handles large catalogues well, but performance depends on how you structure variants and attributes. Thousands of standalone products behave differently from hundreds of products with heavy variant matrices, and the second pattern needs more attention to indexing and page caching.