BharatPeX, the enterprise payments platform of fintech company BharatPe, launched a new AI-enabled payment gateway on the final day of Global Fintech Fest (GFF) 2026 in Mumbai on September 11, 2026. The gateway targets e-commerce companies and fintechs, offering a single integration that supports more than 100 payment options including UPI, cards, net banking and bank transfers via IMPS, NEFT and RTGS.
The launch came alongside a wave of other agentic and AI-driven fintech product announcements at GFF 2026, held at Mumbai’s Jio World Centre from September 8 to 11. BharatPeX said its new gateway consolidates checkout, settlements, refunds, payouts and automated reconciliation into a single operational dashboard for merchants.
What AI Features Does the BharatPeX Payment Gateway Offer?
The centrepiece of the launch is Dynamic Routing, an AI-based feature that intelligently routes transactions across multiple acquiring bank partners to improve payment success rates and reliability, particularly during high-traffic periods. The gateway also includes native OTP and tokenisation support, CVV-less payment experiences, EMI options, recurring payments and virtual account tracking, positioning it as a full-stack enterprise payments layer rather than a simple checkout widget.
What Does This Mean for Indian Merchants and Fintechs?
For e-commerce businesses and fintech companies operating in India, intelligent transaction routing directly affects revenue, since even small drops in payment success rates translate into lost sales at scale. BharatPeX’s unified dashboard approach, combining checkout, settlements and reconciliation, addresses a common pain point for merchants who otherwise juggle multiple vendor dashboards for these functions. The launch also signals BharatPe’s broader push to diversify beyond its consumer-facing UPI and lending products into enterprise infrastructure, a segment where PayU, Razorpay and Cashfree already compete heavily.
Industry Reaction and Expert Commentary
GFF 2026 coverage noted that agentic AI led the fintech product launches across all three days of the event, with BharatPeX’s gateway among several new tools unveiled by Indian payment companies racing to embed AI into core infrastructure rather than just customer-facing chat features. Rival PayU also used the event to unveil new AI tools targeted at small and medium businesses, underscoring how competitive the AI-in-payments race has become among India’s fintech infrastructure providers. Analysts covering the sector say intelligent routing and reconciliation automation are becoming baseline expectations for enterprise payment gateways in India rather than differentiators, pushing providers to layer in additional AI capabilities to stand out.
What Happens Next?
BharatPeX is expected to onboard merchants onto the new gateway in the coming weeks following its GFF 2026 debut, with the company likely to publish adoption and performance metrics from early enterprise customers. BharatPe has not disclosed specific merchant-acquisition targets for the new gateway, though the launch positions the company to compete more directly with established enterprise payment providers over the coming fiscal year.
Frequently Asked Questions
What is BharatPeX’s new payment gateway designed for?
It is an enterprise payment gateway aimed at e-commerce companies and fintechs, offering more than 100 payment options through a single integration along with AI-based intelligent transaction routing.
What is Dynamic Routing in the BharatPeX gateway?
Dynamic Routing is an AI feature that automatically routes transactions across multiple acquiring bank partners to improve payment success rates and reliability.
Where was the BharatPeX gateway launched?
It was launched at Global Fintech Fest 2026, held at the Jio World Centre in Mumbai from September 8 to 11, 2026, on the event’s final day.
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