Razorpay is one of India’s leading full-stack financial technology companies, powering the way businesses move, manage, and grow money. Founded in 2014 by Harshil Mathur and Shashank Kumar with a simple vision - to simplify payments for Indian businesses - we’ve since grown into a fintech powerhouse driving India’s digital payment revolution.

Razorpay powers millions of businesses with a smarter, scalable stack that goes beyond transactions to help them truly build and grow.

From building AI-native agentic payments, to AI-assisted fraud detection and real-time risk intelligence to automated reconciliation, smart payouts, and predictive financial insights, we are embedding intelligence across our stack to make money movement faster, safer, and more efficient. In close collaboration with ecosystem partners - including banks, networks, regulators - we are pioneering industry-first solutions that are shaping the next era of fintech

Across India, Singapore and Malaysia, our products span everything from seamless checkouts to payroll automation - powering a fintech ecosystem that’s redefining how money moves across Asia.

Today, that ecosystem supports everyone from early-stage startups to some of India’s largest enterprises, enabling them to accept, process, and disburse payments at scale while expanding into new ways of managing money more efficiently.

Our scale speaks volumes: Razorpay processes $180+ billion in annualized transactions, powering leading businesses like Airbnb, Facebook, WhatsApp, Airtel, CRED, BookmyShow, Zomato, Swiggy, Lenskart, Mirae Asset Capital markets, Indian Oil, National Pension Scheme - and over 100 of India’s unicorns. With strong roots in India and growing operations in Southeast Asia, we are shaping the next chapter of financial technology across the region.

We are backed by global investors including GIC, Peak XV Partners (formerly Sequoia Capital India & SEA), Tiger Global, Ribbit Capital, Matrix Partners, MasterCard, and Salesforce Ventures, having raised over $740 million to date. Strategic acquisitions - including Ezetap (POS and offline payments), Curlec (Malaysia expansion), BillMe (digital invoicing), and POP (rewards-first UPI) - along with earlier moves in fraud prevention, payroll, and lending, have further strengthened our platform and widened our footprint across Asia.

But what truly sets Razorpay apart is our culture. At Razorpay, ownership is our oxygen - you own what you build, with no micromanagement or red tape, just the runway to make your ideas fly. Learning is a lifestyle - if you’re curious, you’ll feel at home here. People > Pedigree - we hire for attitude, hustle, and hunger more than degrees. Transparency thrives over titles - this is where interns question CXOs and CXOs say “thank you.” Guided by our values of Customer First, Autonomy & Ownership, Agility with Integrity, Transparency, Challenging the status quo and a strong belief that Razorpay grows with Razors, you’ll be part of a 3000+ strong team building not just products, but the financial infrastructure of the future.

Roles and Responsibilities:

Experience in managing and working with bigger team
Excellent analytical skills, motivated, hardworking, and self-driven leader
Ability to interact with stakeholders internal and external is essential
Explore automation on all the areas worked.
Understand the unit economics of the business and provide insights
Month close reporting of Revenue, handling revenue assurance function.
Review of monthly P&L – review decks, strong variance analysis capabilities
Drive Monthly Balance Sheet closing and consolidation.
Knowledge of direct and indirect taxation
Proficiency and knowledge in SAP HANA (Mandatory)
Assist with process implementations, preparation, and adherence to key control activities.
Timely closure of audits relating to areas handled.
To work closely with various stakeholders and business partners
Independent decision-making
Very high standards of integrity and work ethics

Mandatory Qualifications :

Bachelor’s degree in commerce, Finance, or related fields; additional qualifications in project management or business management are advantageous
3-4 years of working experience in the field of Accounts Receivable.
Similar working experience in a Payment gateway/aggregator is a plus.

Razorpay believes in and follows an equal employment opportunity policy that doesn't discriminate on gender, religion, sexual orientation, colour, nationality, age, etc. We welcome interests and applications from all groups and communities across the globe.

About the company

Razorpay provides a full-stack fintech platform for Indian online businesses, starting with a payment gateway that accepts, processes, and disburses payments via cards, net banking, and UPI. It also offers tools for marketplaces, automated bank transfers, recurring payments, invoicing, and working capital loans. The service combines payments with financing and business-operations tools in an API-driven platform tailored to the Indian market. Its goal is to simplify money flow for merchants by unifying payments, payouts, billing, marketplace ops, and funding in one provider.

Company Size

1,001-5,000

Company Stage

Private

Total Funding

$762.3M

Headquarters

Bengaluru, India

Founded

2014

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Simplify's Take

What believers are saying

Supreme Court dismissed ED's appeal in February 2026, removing a major legal overhang.
Razorpay launched RAY in September 2026, with 20,000-plus merchant conversations already logged.
Management is pushing Malaysia, Singapore, and more Southeast Asia markets for growth beyond India.

What critics are saying

Razorpay still depends on RBI permissions; a 2023 onboarding freeze showed regulatory fragility.
PayU and other incumbents can copy campaigns, compressing differentiation and pricing power.
IPO timing raises execution pressure; any merchant churn or compliance lapse before listing hurts valuation.

What makes Razorpay unique

Razorpay controls payments, banking, lending, and offline acceptance inside one merchant stack.
RAY on WhatsApp turns Razorpay into an AI account manager, not just a gateway.
Its India-first UPI and real-time payments focus supports a credible Southeast Asia export strategy.

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Indian Conventions

Oct 17th, 2026

Ishan Bishnoi appointed Senior Director at Razorpay.

Ishan Bishnoi appointed Senior Director at Razorpay. The short version. Razorpay has appointed Ishan Bishnoi as Senior Director, where he will focus on expanding the company's Affordability portfolio through strategic brand... Listen Ishan Bishnoi appointed Senior Director at Razorpay. Razorpay has appointed Ishan Bishnoi as Senior Director, where he will focus on expanding the company's Affordability portfolio through strategic brand and bank alliances, retail partnerships, and innovative payment solutions. With more than 17 years of experience across payments, financial services, partnerships, and digital banking, Ishan brings a background in building partnerships and developing consumer affordability initiatives. Experience in payments and consumer affordability. Prior to joining Razorpay, Ishan served as Lead - Payment and Affordability Partnerships at Samsung India. In this role, he drove consumer affordability initiatives and managed partnerships involving banks, non-banking financial companies (NBFCs), and fintech businesses. His experience at Samsung India reflects a focus on collaborations that support consumer purchasing options and payment-related solutions. Career across banking and financial services. Earlier in his career, Ishan worked at Citibank India as Assistant Vice President - Cards, where he managed merchant acquisition and affordability partnerships. This experience added to his understanding of card-based payments and merchant relationships. He also held product management positions at Axis Bank, working across digital banking and payments. These roles contributed to his professional experience in financial products, payment services, and digital banking solutions. Building Razorpay's affordability portfolio. In his new role as Senior Director at Razorpay, Ishan will focus on building the Affordability portfolio through strategic alliances with brands and banks, retail partnerships, and innovative payment solutions. His experience across banking institutions, consumer technology, and payment partnerships provides a foundation for this responsibility. The appointment marks another step in his career across India's evolving digital payments and financial services ecosystem. 60 eyeballs

The Economic Times

Oct 12th, 2026

ETSA 2026: Over a decade on, India's startup story is only getting started.

ETSA 2026: Over a decade on, India's startup story is only getting started. ET TEAM Last Updated: Oct 12, 2026, 06:00:00 AM IST Synopsis. The 12th edition of The Economic Times Startup Awards (ETSA) captured this transition, reflecting an ecosystem that has moved beyond the race for scale to pursue technological depth, durable businesses and international markets. More than a decade after India's startup ecosystem took its first steps, its entrepreneurial journey is entering a new phase, with a growing crop of founders tackling complex problems in deeptech and hardtech, and homegrown companies tapping the public markets as well as pursuing global ambitions. The 12th edition of The Economic Times Startup Awards (ETSA) captured this transition, reflecting an ecosystem that has moved beyond the race for scale to pursue technological depth, durable businesses and international markets. That breadth was evident in this year's Startup of the Year nominees, which included AI startup Sarvam, ecommerce marketplace Meesho, satellite launch vehicle maker Skyroot, wealthtech platform Groww, urban mobility service Rapido and logistics company Porter. You May Like An 11-member jury, chaired by Wipro executive chairman Rishad Premji, named Groww the winner, recognising its ability to sustain rapid growth while turning profitable at scale. Speaking to a gathering of more than 300 of the most influential names in India's startup and technology industry, commerce and industry minister Piyush Goyal, the guest of honour at the awards, pointed to the gap between the scale of the country's startup ecosystem and its untapped potential. Even with about 250,000 registered startups, he said, the journey was only beginning, particularly in deeptech, where the number of significant startups remains small. "We have only just begun," said the minister. "In fact, in the deeptech space, there are only a few thousand startups of significance. We have a long way to go." His remarks reflect a broader shift in an ecosystem, where the aspiration is increasingly to build companies that can compete internationally, rather than simply serve India's growing consumer base. The early years of the startup boom were dominated by ecommerce, consumer internet and digital services, but founders are taking on problems in sectors that demand deeper technological capabilities, longer investment horizons and greater spending on research and development. Many prominent voices from the industry concurred. Kalyan Krishnamurthy, chief executive of Flipkart group, termed India's startup ecosystem one of the most dynamic stories of this time. "It keeps growing in ambition, in scale and in the problems it takes on," he said. "Founders, investors, operators and customers are all building on each other's progress. ETSA does an important job in celebrating that journey and the entrepreneurs driving it." PhonePe cofounder and chief executive Sameer Nigam said India's startup landscape had widened dramatically over the past decade, with innovation spreading well beyond its early strongholds. "We started with companies largely focused on consumer technology and ecommerce," he said. "Today, we are seeing startups working in deeptech, agritech, robotics and foundational technologies. The ET Startup Awards reflect that innovation taking place across the country." Razorpay cofounder and CEO Harshil Mathur, whose company was Startup of the Year at ETSA 2022, said the strength of this year's field showed how far Indian entrepreneurship had come. "Each of them was outstanding, and choosing a winner must have been extremely difficult. It shows how far the ecosystem has come. Ultimately, the ecosystem wins when more companies do well," he said. Manu Chandra, founder and managing partner at venture capital firm Sauce, won the Midas Touch award for distinguished early-stage consumer investing. Online yoga platform Habuild was named Bootstrap Champ, while climatetech startup Varaha won the Social Enterprise award. For the first time, the Woman Ahead category had joint winners, with the jury picking Palmonas cofounder and CEO Pallavi Mohadikar and Progcap cofounder and chief executive Pallavi Shrivastava. Deeptech startup Theranautilus won the Top Innovator award, Armatrix was named Best on Campus startup, and Mukund Jha, cofounder of vibe-coding startup Emergent, was the Comeback Kid. The next chapter Discussions in Bengaluru on Friday also made it clear that global ambition will define the ecosystem's next phase. "Let's get out of the cosy comfort of the large Indian opportunity or Indian market. Let us think of going global, because those who will not go global will be left behind," Goyal said. India's lower cost structure is an advantage, but it cannot make up for inferior technology, Dheemanth Nagaraj, cofounder and CEO of AI semiconductor startup Agrani Labs, said during a panel discussion on building the hard stuff. Moderated by Accel founding partner Prashanth Prakash, the panel also included Kshitij Khandelwal, cofounder and CTO of spacetech startup Pixxel, and Laina Emmanuel, cofounder and chief executive of BrainSight AI. "At the end of the day, the technology we use is state of the art. There's no other way to penetrate the market," Nagaraj said, arguing that a cheaper but substandard product would not work. For the ecosystem's next phase of growth, however, access to capital and viable exit routes will be critical. In a fireside chat, Groww cofounder and CEO Lalit Keshre said capital was available for companies that needed it, but valuations remained a key consideration for private market investors. Meesho cofounder and chief executive Vidit Aatrey said global late-stage investors, many of whom have been focused on AI in recent years, would return to India as they reassess opportunities across markets. "Late-stage funds have been comparing opportunities across the globe... and we all know the last two to three years have been about AI. I believe they will come back to India and it will happen very soon," he said. Serial entrepreneur K Ganesh said three developments were reinforcing one another - investors were more willing to back founders for longer, public markets were accepting new-age companies that continued to invest for growth, and entrepreneurs were taking on harder problems in sectors such as semiconductors, space, defence and energy. "Every successful IPO gives investors a reason to fund the next deeptech company," Ganesh said. The Economic Times Startup Awards were presented by IDFC First Bank, with workspace partner Indiqube, knowledge partner Tracxn and hospitality partner The Leela Palace, Bengaluru. Add as a Reliable and Trusted News Source

BusinessWorld

Oct 10th, 2026

Razorpay's AI WhatsApp agent cuts customer support volume 30-40%.

Razorpay's AI WhatsApp agent cuts customer support volume 30-40%. Six in 10 interactions with the payment company's agentic WhatsApp bot are now through voice, as Razorpay expands AI-led merchant support Razorpay's agentic WhatsApp support system has reduced the company's customer support volume by almost 30-40 per cent, Harshil Mathur, CEO and Co-founder, Razorpay said at the ElevenLabs Summit in Bengaluru this week. The company said 60 per cent of interactions with the bot are now taking place through voice. The deployment reflects Razorpay's broader push to move merchant support and payment operations from conventional dashboards and support channels to conversational AI. The company has been expanding AI agents across payments, merchant engagement and business operations, including through its Agent Studio platform. Voice Emerges As A Key Interface Razorpay initially expected merchants to primarily interact with its WhatsApp agent through text. However, voice quickly became a significant mode of interaction, with about 60 per cent of transactions or interactions with the bot taking place through voice, according to Mathur. The agent allows merchants to raise routine operational queries through WhatsApp instead of relying on conventional customer support channels. These include questions around payment failures, transactionrelated issues and technical assistance, with the system handling the interaction conversationally. The executive said the shift to the agent had reduced customer support volumes by almost 30-40 per cent, as merchants could ask questions directly through WhatsApp rather than reaching out to conventional support teams. Razorpay has also been expanding the use of conversational AI beyond support. In September, it launched RAY, an AI account manager on WhatsApp, allowing businesses to ask about payments, settlements and support issues through text or voice notes. Razorpay said businesses had already held more than 20,000 conversations with RAY at the time of its launch. From Support To Agentic Operations The WhatsApp deployment is part of a wider shift at Razorpay towards AI agents that can act on behalf of businesses rather than only answer queries. The company launched Agent Studio in March, allowing businesses to deploy AI agents for tasks including subscription recovery, payment operations and customer engagement. Razorpay's Agent Studio also supports integrations with platforms such as WhatsApp and ElevenLabs, allowing businesses to build conversational workflows around payments and other operations. The company has positioned the platform as an AI layer through which merchants can automate activities that previously required manual intervention. The company has also deployed ElevenLabs' voice agents for outbound merchant engagement. According to ElevenLabs, Razorpay had completed more than 35,000 outbound calls across five or more use cases by April, with a connection rate close to 28 per cent. The deployments included churn recovery, feature adoption and incident management.AI Moves Beyond Human Support Razorpay is also using AI agents internally to identify and address technology issues. The company executive said its engineering teams can use AI agents to analyse customer tickets, identify whether an issue stems from a software bug, and generate a code fix that is then raised as a pull request for human review. The company expects the role of human reviewers to reduce as the reliability of these systems improves, although human oversight remains part of the current process. Mathur indicated that Razorpay expects such workflows to move closer to automated resolution over time. The broader strategy is to use agents across the merchant lifecycle, from customer support and payment troubleshooting to revenue recovery and business operations. Razorpay has said its AI platform is designed to allow agents to access relevant business context and take actions across its payment infrastructure. The company has also been pushing voice-based commerce beyond merchant support. In February, Razorpay launched Agentic Payments for Voice AI, allowing AI agents to connect with its payments infrastructure so that voice interactions can move from conversation towards completing transactions. BW Reporters The author is a Trainee Correspondent at BW Businessworld.

MediaNama

Oct 6th, 2026

Razorpay to run ad campaigns for Indian brands on ChatGPT.

Razorpay to run ad campaigns for Indian brands on ChatGPT. On October 5, Razorpay announced that its marketing platform, Razorpay Engage, now enables Indian brands to set up and manage advertising on ChatGPT. The agreement builds on its partnership with OpenAI and includes nine brands: Tanishq, Fastrack, Traya, Tata Neu, Rivaah by Tanishq, Shaadi.com, Axis Max Life, Palmonas, and Narsee Monjee Institute of Management Studies (NMIMS). What is Razorpay offering? Engage will handle the preparation and operation of ChatGPT Ads for advertisers. Razorpay says this covers: * Assessing whether a brand's product catalogue is ready for ChatGPT * Cleaning up and structuring product feeds * Creating and managing campaigns * Measuring and optimising performance Razorpay will use an AI agent based on ChatGPT Ads best practices to create and manage campaigns across various user contexts. The agent will track performance and make ongoing adjustments, with Razorpay staff providing human oversight as needed. Why do brands need an intermediary? ChatGPT recently launched its ad channel in India. OpenAI started displaying ads to logged-in adults on the Free and Go plans at the end of August, initially partnering with WPP and Omnicom. Razorpay emphasises that brands featured in AI chat responses require well-structured product data, which can be difficult to manage manually at scale. COO Rahul Kothari noted that shoppers are likely to rely more on AI assistants for purchase recommendations instead of traditional search or browsing, creating a new discovery channel for brands. How this builds on Razorpay's ChatGPT commerce work The ad product extends a longer effort to make ChatGPT a sales channel: * Storefronts and checkout: Razorpay has been working with OpenAI and the National Payments Corporation of India (NPCI) on infrastructure for ChatGPT-native storefronts, catalogue syncing and, eventually, completing purchases inside the chat. * Pilots: In August, Razorpay said it was working with about 50 brands and several ecommerce marketplaces on agentic-commerce pilots. * Setup time: The company claims its technology cuts the time for a Shopify merchant to set up a ChatGPT storefront from roughly eight to 10 weeks to about 30 minutes by automating catalogue syncing and submission. This is Razorpay's own figure. * Payments: It has been experimenting with UPI Circle and UPI Reserve Pay for in-ChatGPT purchases. Payment credentials are kept away from the AI model, and transactions require user consent. Razorpay has developed ChatGPT-native storefronts and agentic payments in collaboration with OpenAI and NPCI and launched pilots with approximately 50 brands in August. Razorpay has described its strategy as building a "distribution layer" across merchant websites, independent agent platforms and LLM platforms, rather than betting on ChatGPT alone. Razorpay's wider AI push October 2025: Razorpay and OpenAI piloted "Agentic Payments" on ChatGPT, enabling users to complete purchases within the AI environment. The pilot involved Razorpay's banking partners, Axis Bank and Airtel Payments Bank, and used UPI Circle and UPI Reserve Pay. The initial integration was with BigBasket, allowing users to order groceries through ChatGPT. All payments required explicit user consent and authentication through their regular UPI app. March 2026: Razorpay launched Agent Studio, built on Anthropic's Claude Agent SDK, to automate payment operations such as failed-transaction recovery, dispute responses and subscription management. Agentic Experience Platform: An AI-native layer meant to simplify how businesses onboard to Razorpay, integrate payments and manage financial workflows. Launch agents: Abandoned Cart Conversion, Dispute Responder, Subscription Recovery and Cashflow Forecaster. Other listed capabilities include settlement summaries delivered through messaging apps. Integrations: Businesses can connect platforms such as Shopify, Shiprocket, WhatsApp, ElevenLabs, Slack, Tally and QuickBooks. No-code builder: The "Build Your Agent" feature lets businesses create agents in plain English by describing the task, choosing the systems it can access and setting rules. The builder is in beta, and Razorpay plans to evolve the platform into an open ecosystem for developers and fintech partners. August 2026: Razorpay announced Vulcan, designed to manage routing, fraud detection, risk management and checkout within a single AI system rather than relying on separate models. Razorpay emphasised that Vulcan is not a large language model. Vulcan can select the most effective payment route, detect fraud across merchants and assess return-to-origin risk for cash-on-delivery orders. Razorpay plans to extend its use to authentication and lending. Razorpay reports an 8-10% improvement in payment success rates. The company also states that Magic Checkout enabled 40% more shoppers to access their preferred UPI app, resulting in 100,000 to 200,000 additional monthly purchases. Early adopters include Blinkit, Bachatt and redBus. These results are based on Razorpay's internal data and have not been independently verified. What remains unclear The announcement leaves several points open: * Fees or pricing for Engage's ChatGPT Ads services * Whether any of the nine brands have live campaigns and, if so, with what results * How Razorpay's role differs from that of OpenAI's agency partners, WPP and Omnicom * When in-chat purchases will go live

exchange4media

Sep 23rd, 2026

Visa's Gaurav Ramdev awarded at Truecaller Ads Pitch BFSI Marketer Awards 2026.

Visa's Gaurav Ramdev awarded at Truecaller Ads Pitch BFSI Marketer Awards 2026. Gaurav Ramdev serves as the Head of Marketing, India and South Asia at Visa. Gaurav Ramdev, Head of Marketing, India and South Asia at Visa, has been honoured at the Truecaller Ads Pitch BFSI Marketer Awards 2026 for his outstanding work, vision and leadership. The honour recognises his contribution to marketing and brand-building in the banking, financial services and insurance (BFSI) ecosystem. Ramdev's recognition highlights his role in driving marketing initiatives at Visa and contributing to the brand's efforts in the evolving digital payments and financial services landscape. The honour reflects the growing focus on innovation, customer engagement and technology-led marketing across the BFSI sector. Gaurav Ramdev joined Visa as Head of Marketing to play a pivotal role in strengthening the brand and marketing efforts across the ecosystem in India and South Asia. His focus is on brand building and customer engagement and accelerating Visa's growth by reinforcing the brand's position as a trusted partner delivering innovative payment solutions. An award-winning marketer with 19 years primarily across CPG and Fintech, Gaurav has previously led marketing at Coca-Cola INSA and Razorpay. He joined Visa from Protean e-Gov Technologies where he was the Chief Growth & Marketing Officer and built the marketing function from scratch, besides leading a successful public listing and D2C growth operations. The Truecaller Ads Pitch BFSI Marketer Awards 2026 celebrates marketing professionals and leaders who have made an impact through strategic thinking, innovative campaigns and effective brand-building initiatives. Ramdev's recognition adds to the list of industry professionals honoured at this year's edition.

Razorpay

Executive – Finance

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