Payment CollectionsMCP: Razorpay, PayU

AI That Collects Payments While You Sleep

Automate invoice reminders, create instant payment links via WhatsApp, recover failed payments, and manage EMI collections — all with AI agents connected to Razorpay, PayU, or Stripe.

PCI Compliant
Razorpay Partner
30%
Faster Collection
Compared to manual follow-ups
45%
Response Rate
On WhatsApp payment reminders
20%
Failed Payment Recovery
Recovered through follow-ups
24/7
Availability
Automated collection cycles

What AI Can Do with Razorpay MCP

Real actions your AI agent can perform during customer conversations

Create Payment Links

AI generates Razorpay/PayU payment links on the fly during conversations

Customer: "I want to pay my invoice"
AI: "I've created a payment link for ₹15,000. 
     Pay here: https://rzp.io/i/abc123
     This link expires in 24 hours."

Check Payment Status

Real-time payment status verification within conversations

Customer: "Did you receive my payment?"
AI: "Yes! I can see your payment of ₹15,000 
     was successful at 2:34 PM. 
     Receipt ID: PAY_abc123.
     Thank you!"

Create EMI Plans

Offer and set up EMI options during payment discussions

Customer: "Can I pay in installments?"
AI: "Absolutely! I can set up EMI:
     - 3 months: ₹5,200/month (no interest)
     - 6 months: ₹2,700/month (12% interest)
     Which would you prefer?"

Send Refunds

Process refund requests directly through conversation

Customer: "I need a refund for order #1234"
AI: "I've initiated a refund of ₹2,500.
     It will reflect in 5-7 business days.
     Refund ID: REFUND_xyz789"

Automated Collection Workflows

Pre-built workflows that run automatically

Invoice Reminder via WhatsApp

AI sends personalized invoice reminders with payment links directly on WhatsApp. Customer can pay with a single tap.

Invoice due date approaches
AI sends WhatsApp message with invoice details
Customer asks questions → AI responds
AI generates Razorpay payment link
Payment confirmed → AI sends receipt

Voice Collection Calls

AI makes human-like collection calls, discusses payment options, and sends payment links via SMS during the call.

AI calls customer at scheduled time
Natural conversation about pending payment
Discusses EMI options if needed
Sends payment link via SMS during call
Confirms payment and thanks customer

Failed Payment Recovery

Automatically follow up on failed transactions with alternative payment methods and new payment links.

Payment fails (card declined, UPI timeout)
AI sends immediate WhatsApp notification
Offers alternative payment methods
Generates fresh payment link
Tracks until successful payment

Use Cases by Industry

Enterprise

B2B Invoice Collection

Automate follow-ups for outstanding invoices. AI tracks payment status and escalates overdue accounts.

SaaS

Subscription Renewals

Remind customers about upcoming renewals and process payments before service interruption.

Finance

EMI Collections

Monthly EMI reminders with easy payment options. Handle partial payments and rescheduling.

E-commerce

E-commerce COD Conversion

Convert COD orders to prepaid by sending payment links before dispatch. Reduce RTO.

Supported Payment Gateways & Tools

Razorpay
Payment Gateway
PayU
Payment Gateway
Stripe
Payment Gateway
Cashfree
Payment Gateway
Tally
Accounting
Zoho Books
Invoicing

Frequently Asked Questions

Through MCP (Model Context Protocol), the AI securely connects to your Razorpay/PayU account. When a customer asks to pay, the AI generates a unique payment link with the correct amount, customer details, and expiry. The link is sent within seconds via WhatsApp or SMS.

Ready to Automate Collections?

Connect your Razorpay account and start collecting in 5 minutes

No credit card required Razorpay ready PCI compliant