Why Razorpay doesn\u2019t fit agent payments
Razorpay is a comprehensive gateway: cards, UPI, netbanking, subscriptions, payouts — everything a business needs to charge people. But every one of those methods assumes a human on the other side authorizing a payment through an interactive flow. An autonomous agent has no UPI PIN to enter, no bank login to approve, and no reason to pass through a hosted checkout for a fraction-of-a-cent API call. Gateway fees and settlement cycles designed for order-sized human purchases do not map onto machine-to-machine micropayments.
The agent-native model collapses payment into the request: the server answers HTTP 402 with a price, the agent pays USDC from its wallet, and access is granted in the same round-trip — no gateway, no redirect, no human. The open-source projects below implement this per-request settlement stack.
What to look for instead
- Wallet-based machine identity — no bank login or UPI approval step
- Payment embedded in the HTTP request, not a redirect to a gateway
- Micropayment-viable fees for $0.001–$0.10 per-call amounts
- Instant settlement usable inside a single API round-trip