AI agents for Razorpay
A Monmo AI agent works in Razorpay the way a payments executive at an Indian business would. It breaks each settlement into payments, refunds, fees and GST and matches it to the bank, prepares payment links for open invoices, follows up halted subscriptions and gathers evidence for disputes. It uses your own Razorpay account, and every refund, link and dispute response waits for your approval.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in Razorpay
Reconcile each settlement
For every settlement the agent lists the payments, refunds, fees and GST on fees inside it, checks the net against the credit in your bank account and the entry in Zoho Books, and lists any that do not match.
AskReconcile last week's Razorpay settlements against our HDFC current account in Zoho Books and show any differences.
Send payment links for open invoices
From unpaid invoices in your books it prepares a Razorpay payment link for each, with the amount, the invoice number, the customer's email and an expiry date, and drafts the Gmail message to go with it. Sending asks first.
AskCreate Razorpay payment links for every invoice over 30 days old, expiring in 7 days, and draft the email for each. Show me first.
Revive halted subscriptions
When retries fail, a subscription can end up halted. Each morning the agent lists halted and pending subscriptions with the plan and the customer, and drafts a short note asking them to update their payment method.
AskEvery weekday at 10, list halted or pending Razorpay subscriptions and draft a note to each customer.
Find out why payments failed
It groups yesterday's failed payments by method, such as UPI, card, netbanking or wallet, and by error reason, puts the breakdown in Google Sheets and tells you when one bank or method fails far more than usual.
AskGroup yesterday's failed Razorpay payments by method and error reason, and tell me if any bank looks worse than usual.
Prepare refunds
Give it an order or payment ID. It checks the original payment, earlier refunds and your policy and prepares a full or partial refund with a note. The refund has its own card and waits for you.
AskPrepare a partial refund of 1,200 rupees on payment pay_xxxx for the missing item, and draft a reply to the customer.
Answer a dispute with evidence
When a customer raises a dispute, it collects the invoice, delivery or usage proof and your messages with the customer, and drafts the response before the deadline Razorpay shows. Whether to contest and submitting are your decisions.
AskThere is a new Razorpay dispute on an order from 12 October. Gather the invoice and delivery proof and draft the response.
Post the day's collections
Every evening it totals the day's captured payments by method and by product, payment page or Shopify store, and posts a short summary in Slack with the settlement expected next.
AskEvery evening at 8, post today's Razorpay collections by payment method in Slack, with the next settlement amount.
How it connects
- 1You connect your own Razorpay account once. Razorpay keeps test mode and live mode apart, each with its own keys, so you can try the agent on test payments before connecting the live account.
- 2You choose which agents may use Razorpay. A finance agent needs it; a support agent may read payments to answer customers, and no other agent should have it.
- 3Reading payments, settlements, subscriptions and disputes needs no approval. A refund, a payment link, a subscription change or a dispute submission each ask first, and every refund gets its own card.
More in Accounting and payments
Other apps of this kind that agents work in, each with its own page.
Watch it work
A sample replay with example data, sped up. Pause it, scrub through it, or take the mouse yourself. This sample shows a similar job in other tools; Razorpay is not on screen.
On screen
Xero
Gmail
Google Sheets
Pick a job. Watch it get done.
- Why
- Your weekday bookkeeping routine.
- Where
- Fieldwork in Xero · business account
- What to expect
- Marks 18 lines reconciled. The 2 odd lines are left for you, and no reminder is sent.
Your team. Connected to everything.
Cash and receivables — week 7+Sample replays with fictional data, sped up. Pause one, scrub through it, or take the mouse yourself.
Questions people ask
Can an AI agent reconcile Razorpay settlements?
Yes. The agent breaks each settlement into its payments, refunds, fees and GST on fees, checks the net amount against the bank credit, and finds the matching entry in Zoho Books or your accounting software. You get a list of what matched and what did not, and any adjustment waits for your approval.
Can it create Razorpay payment links and send them?
It creates them once you allow it. The agent prepares each link with the amount, reference and expiry, drafts the message to the customer and shows the batch on one card. On approval it creates and sends them through the Razorpay connection, or in its own browser when the connection does not cover something.
Will an AI agent refund Razorpay payments without asking?
No. Every refund needs your approval. The agent checks the payment and your refund policy, then shows the customer, amount and reason on a separate card. Approving a reply to the customer never approves the refund, and a declined card means no money moves.
Can I try it in Razorpay test mode?
Yes. Connect with test mode and the agent sees only test payments, subscriptions and settlements, so you can watch how it reports, drafts and asks before anything real is involved. Switch to the live account when you are ready, and choose again which agents may use it.