Razorpay Becomes India Payments Partner for Replit’s Global AI Platform
•February 17, 2026
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Why It Matters
The deal gives Replit instant access to India’s fast‑growing digital‑payment ecosystem, accelerating revenue capture from a key market while simplifying cross‑border compliance for the AI platform.
Key Takeaways
- •Replit integrates Razorpay for Indian UPI payments.
- •Beta launch enables INR subscriptions via cards, UPI.
- •Razorpay handles compliance, FX, USD settlements.
- •Partnership avoids Replit needing Indian entity.
- •India processes 20B UPI transactions monthly.
Pulse Analysis
India’s digital‑payment environment has matured into a global benchmark, with the Unified Payments Interface handling more than 20 billion transactions each month and accounting for roughly 85 percent of all electronic payments. This scale offers a low‑friction, instantly recognizable checkout experience for consumers, but it also creates a high expectation for localized payment options among SaaS and subscription services. Companies that ignore UPI risk alienating a massive user base, while those that embed it can tap into a market where mobile wallets and bank‑linked QR codes dominate everyday commerce.
Replit, an AI‑first software creation platform, has grown its annual recurring revenue from $3 million to over $300 million in just 18 months, reflecting the surge in developer interest for low‑code, natural‑language tools. However, converting that global user enthusiasm into revenue from India requires navigating foreign‑exchange regulations, tax compliance, and the need for a domestic legal entity. Razorpay’s International Payments Suite abstracts these complexities, providing real‑time currency conversion, settlement in USD, and full compliance coverage, allowing Replit to offer INR‑priced subscriptions and enable AI‑generated products to accept UPI payments from day one.
The partnership signals a broader trend where AI platforms are embedding payment infrastructure to become end‑to‑end commerce engines. By removing the friction of cross‑border billing, Razorpay and Replit position themselves to capture a larger share of India’s burgeoning AI‑driven developer community, potentially prompting rivals to pursue similar integrations. For investors and industry observers, the deal illustrates how payment‑as‑a‑service providers can accelerate the monetization of emerging tech stacks, turning experimental AI applications into scalable, revenue‑generating businesses.
Razorpay becomes India payments partner for Replit’s global AI platform
Razorpay and Replit have announced a partnership to help AI‑first builders in India not only pay for their subscriptions seamlessly but also turn their ideas into scalable, monetised products.
Razorpay and Replit have announced a partnership to help AI‑first builders in India not only pay for their subscriptions seamlessly but also turn their ideas into scalable, monetised products.
By integrating Replit’s AI software creation platform with Razorpay’s payments infrastructure, the partnership allows AI‑built products to accept UPI from day one.
Rolling out in beta, Replit will go live with Razorpay’s International Payments Suite, allowing Indian users to pay in INR via familiar methods like UPI and cards. This will effectively strive to transform a global, cross‑border subscription into a local payments experience for Indian customers.
As per market research, India processes over 20 billion UPI transactions every month and UPI accounts for around 85 % of all digital payments.
According to Razorpay, its payment stack will be embedded into the Replit platform, enabling the Replit agent to serve and monetise Indian users. Razorpay will handle compliance, FX, and USD settlements behind the scenes, allowing Replit to monetise Indian users without setting up a local entity.
Building on recent collaborations with global AI companies, including work with OpenAI and the National Payments Corporation of India (NPCI) to pioneer agentic AI payments, Razorpay strives to expand how AI platforms unlock real economic value. The partnership with Replit extends this vision by embedding Razorpay’s India‑ready payments and compliance stack directly into AI‑driven software creation.
Replit is the agentic software creation platform that enables anyone to build applications using natural language. With millions of users worldwide and over 500,000 professional users, it is democratizing software development by removing traditional barriers to application creation. The company has grown from $3 million to more than $300 million in ARR in the past 18 months.
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