TL;DR: PhonePe and OpenAI announced a partnership to integrate ChatGPT into the PhonePe consumer app, business app, and Indus Appstore, giving millions of users AI-powered assistance while keeping financial data separate and secure.
Words by : @IndianTechGuide | India's tech, infrastructure, and economic growth.
What Happened
- PhonePe announced a strategic collaboration with OpenAI on 12-13 November 2025 to integrate ChatGPT across its platform.
- ChatGPT will be accessible inside the PhonePe consumer app, PhonePe for Business app, and the Indus Appstore.
- The goal is to accelerate ChatGPT adoption in India and make AI tools available to PhonePe’s large user and merchant base.
Features for Users
- Users can access ChatGPT directly inside the PhonePe app for tasks like travel planning, product research, shopping assistance, drafting text, translations, and general everyday queries.
- The AI experience includes multilingual support in over a dozen Indian languages.
- ChatGPT offers context-aware, conversational help, but does not access or store PhonePe users’ transaction or wallet data.
Features for Merchants
- Merchants using PhonePe for Business can get AI support for GST filing, business queries, content creation, and growth strategies.
- The AI aims to improve operational efficiency and streamline daily business tasks.
Statements from Leaders
Rahul Chari, Founder and CTO, PhonePe, said:
"At PhonePe, we have spent years building the foundational layers for digital services at population scale. This strategic alliance demonstrates that collaborations between innovative companies in this space can help expand the reach of cutting-edge technology to the broader population."
Oliver Jay, Head of International, OpenAI, said:
"Our collaboration with PhonePe is a significant milestone in our mission to make AI more accessible to people throughout India. India is a global hub for innovation, and PhonePe’s deep understanding of the country’s fabric and its user base make them the ideal partner."
Scale and Impact
- PhonePe has 610+ million registered users and 44+ million merchants, giving ChatGPT nationwide reach.
- The collaboration comes as India sees rapid growth in generative AI adoption across fintech and consumer apps.
Privacy and Security
- ChatGPT does not have access to PhonePe users’ transaction history, wallet balances, or payment data.
- PhonePe encrypts all financial data using TLS 1.2/1.3, AES-256, tokenization, and PCI-DSS-compliant systems.
- Only user-provided chat input is processed by OpenAI, under OpenAI’s privacy policy.
Additional Details
- Users subscribing during a promotional period starting 4 November 2025 get one year of free ChatGPT Go access.
- The partnership aligns with OpenAI’s India expansion, including plans for a Delhi office and large-scale data center investment.